Call reports 2012
EMERALD BANK — 2012
What EMERALD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 17,124,000 | 17,795,000 | 17,850,000 | 18,021,000 |
| Total loans | 12,745,000 | 12,595,000 | 12,266,000 | 12,365,000 |
| Allowance for loan losses | 238,000 | 241,000 | 245,000 | 245,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,003,000 | 1,001,000 | 1,000,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,626,000 | 16,256,000 | 16,266,000 | 16,419,000 |
| Interest-bearing deposits | 12,609,000 | 13,299,000 | 13,293,000 | 13,220,000 |
| Noninterest-bearing deposits | 3,017,000 | 2,957,000 | 2,973,000 | 3,199,000 |
| Equity capital | 1,466,000 | 1,485,000 | 1,512,000 | 1,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 234,000 | 464,000 | 692,000 | 919,000 |
| Interest expense | 30,000 | 60,000 | 91,000 | 121,000 |
| Net interest income | 204,000 | 404,000 | 601,000 | 798,000 |
| Noninterest income | 30,000 | 53,000 | 78,000 | 99,000 |
| Noninterest expense | 157,000 | 342,000 | 517,000 | 734,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 69,000 | 100,000 | 139,000 | 133,000 |
| Income tax | 11,000 | 23,000 | 36,000 | 30,000 |
| Net income | 58,000 | 77,000 | 103,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,466,000 | 1,485,000 | 1,512,000 | 1,511,000 |
| Total capital | 1,601,000 | 1,622,000 | 1,647,000 | 1,647,000 |
| Risk-weighted assets | 10,693,000 | 10,827,000 | 10,713,000 | 10,777,000 |