Call reports 2009
EMERALD BANK — 2009
What EMERALD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 14,433,000 | 14,300,000 | 14,264,000 | 14,388,000 |
| Total loans | 11,355,000 | 11,814,000 | 12,261,000 | 12,028,000 |
| Allowance for loan losses | 182,000 | 193,000 | 201,000 | 212,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 707,000 | 705,000 | 706,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,177,000 | 13,004,000 | 12,962,000 | 13,064,000 |
| Interest-bearing deposits | 10,856,000 | 10,933,000 | 11,063,000 | 11,034,000 |
| Noninterest-bearing deposits | 2,321,000 | 2,071,000 | 1,899,000 | 2,030,000 |
| Equity capital | 1,198,000 | 1,207,000 | 1,244,000 | 1,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 243,000 | 478,000 | 735,000 | 968,000 |
| Interest expense | 66,000 | 130,000 | 191,000 | 249,000 |
| Net interest income | 177,000 | 348,000 | 544,000 | 719,000 |
| Noninterest income | 35,000 | 64,000 | 95,000 | 123,000 |
| Noninterest expense | 164,000 | 335,000 | 508,000 | 687,000 |
| Provision for loan losses | 3,000 | 16,000 | 26,000 | 41,000 |
| Pretax income | 45,000 | 61,000 | 105,000 | 114,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 35,000 |
| Net income | 37,000 | 45,000 | 82,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,198,000 | 1,207,000 | 1,244,000 | 1,240,000 |
| Total capital | 1,310,000 | 1,321,000 | 1,360,000 | 1,356,000 |
| Risk-weighted assets | 8,903,000 | 9,059,000 | 9,168,000 | 9,161,000 |