Call reports 2013
EMERALD BANK — 2013
What EMERALD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 17,993,000 | 18,336,000 | 18,031,000 | 18,382,000 |
| Total loans | 12,212,000 | 11,801,000 | 11,765,000 | 12,115,000 |
| Allowance for loan losses | 249,000 | 259,000 | 248,000 | 257,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 998,000 | 904,000 | 903,000 | 902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,410,000 | 16,710,000 | 16,371,000 | 16,739,000 |
| Interest-bearing deposits | 13,226,000 | 13,454,000 | 12,937,000 | 13,039,000 |
| Noninterest-bearing deposits | 3,184,000 | 3,256,000 | 3,434,000 | 3,700,000 |
| Equity capital | 1,559,000 | 1,593,000 | 1,605,000 | 1,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 430,000 | 646,000 | 856,000 |
| Interest expense | 25,000 | 49,000 | 70,000 | 89,000 |
| Net interest income | 191,000 | 381,000 | 576,000 | 767,000 |
| Noninterest income | 44,000 | 74,000 | 99,000 | 101,000 |
| Noninterest expense | 178,000 | 351,000 | 532,000 | 743,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 50,000 | 89,000 | 120,000 | 95,000 |
| Income tax | 2,000 | 7,000 | 26,000 | 4,000 |
| Net income | 48,000 | 82,000 | 94,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,559,000 | 1,593,000 | 1,605,000 | 1,603,000 |
| Total capital | 1,694,000 | 1,724,000 | 1,734,000 | 1,736,000 |
| Risk-weighted assets | 10,661,000 | 10,351,000 | 10,238,000 | 10,513,000 |