Call reports 2014
EMERALD BANK — 2014
What EMERALD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 18,390,000 | 18,269,000 | 18,050,000 | 17,535,000 |
| Total loans | 11,825,000 | 11,519,000 | 11,095,000 | 10,845,000 |
| Allowance for loan losses | 265,000 | 279,000 | 289,000 | 285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 852,000 | 851,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,755,000 | 16,614,000 | 16,375,000 | 15,879,000 |
| Interest-bearing deposits | 12,757,000 | 12,819,000 | 12,653,000 | 11,927,000 |
| Noninterest-bearing deposits | 3,998,000 | 3,795,000 | 3,722,000 | 3,952,000 |
| Equity capital | 1,620,000 | 1,634,000 | 1,643,000 | 1,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 202,000 | 403,000 | 596,000 | 784,000 |
| Interest expense | 17,000 | 33,000 | 47,000 | 61,000 |
| Net interest income | 185,000 | 370,000 | 549,000 | 723,000 |
| Noninterest income | 21,000 | 42,000 | 67,000 | 86,000 |
| Noninterest expense | 187,000 | 369,000 | 555,000 | 744,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 12,000 | 28,000 | 39,000 | 35,000 |
| Income tax | -6,000 | -3,000 | -1,000 | -3,000 |
| Net income | 18,000 | 31,000 | 40,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,620,000 | 1,634,000 | 1,643,000 | 1,640,000 |
| Total capital | 1,751,000 | 1,764,000 | 1,771,000 | 1,766,000 |
| Risk-weighted assets | 10,318,000 | 10,215,000 | 10,048,000 | 9,922,000 |