Call reports 2010
EMERALD BANK — 2010
What EMERALD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 14,537,000 | 16,332,000 | 16,156,000 | 17,234,000 |
| Total loans | 12,418,000 | 13,210,000 | 13,276,000 | 13,322,000 |
| Allowance for loan losses | 216,000 | 225,000 | 235,000 | 248,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 705,000 | 655,000 | 908,000 | 906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,235,000 | 14,985,000 | 14,737,000 | 15,762,000 |
| Interest-bearing deposits | 10,580,000 | 12,644,000 | 10,738,000 | 13,481,000 |
| Noninterest-bearing deposits | 2,655,000 | 2,341,000 | 3,999,000 | 2,281,000 |
| Equity capital | 1,266,000 | 1,305,000 | 1,328,000 | 1,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 472,000 | 720,000 | 968,000 |
| Interest expense | 45,000 | 91,000 | 143,000 | 197,000 |
| Net interest income | 184,000 | 381,000 | 577,000 | 771,000 |
| Noninterest income | 26,000 | 56,000 | 84,000 | 113,000 |
| Noninterest expense | 169,000 | 339,000 | 518,000 | 726,000 |
| Provision for loan losses | 5,000 | 11,000 | 20,000 | 37,000 |
| Pretax income | 36,000 | 87,000 | 123,000 | 121,000 |
| Income tax | 11,000 | 23,000 | 35,000 | 28,000 |
| Net income | 25,000 | 64,000 | 88,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,266,000 | 1,305,000 | 1,328,000 | 1,333,000 |
| Total capital | 1,386,000 | 1,435,000 | 1,462,000 | 1,471,000 |
| Risk-weighted assets | 9,538,000 | 10,337,000 | 10,618,000 | 10,927,000 |