Call reports 2011
EMERALD BANK — 2011
What EMERALD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 17,455,000 | 17,287,000 | 16,611,000 | 16,697,000 |
| Total loans | 13,322,000 | 12,900,000 | 12,675,000 | 12,894,000 |
| Allowance for loan losses | 256,000 | 263,000 | 271,000 | 249,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 903,000 | 801,000 | 1,007,000 | 1,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,051,000 | 15,857,000 | 15,146,000 | 15,234,000 |
| Interest-bearing deposits | 12,988,000 | 12,991,000 | 12,283,000 | 12,350,000 |
| Noninterest-bearing deposits | 3,063,000 | 2,866,000 | 2,863,000 | 2,884,000 |
| Equity capital | 1,355,000 | 1,388,000 | 1,416,000 | 1,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 481,000 | 720,000 | 957,000 |
| Interest expense | 47,000 | 84,000 | 119,000 | 150,000 |
| Net interest income | 195,000 | 397,000 | 601,000 | 807,000 |
| Noninterest income | 25,000 | 52,000 | 79,000 | 114,000 |
| Noninterest expense | 186,000 | 371,000 | 562,000 | 788,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 26,000 | 63,000 | 96,000 | 103,000 |
| Income tax | 5,000 | 8,000 | 13,000 | 28,000 |
| Net income | 21,000 | 55,000 | 83,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,355,000 | 1,388,000 | 1,416,000 | 1,408,000 |
| Total capital | 1,492,000 | 1,523,000 | 1,548,000 | 1,541,000 |
| Risk-weighted assets | 10,855,000 | 10,651,000 | 10,439,000 | 10,556,000 |