Call reports 2015
EMERALD BANK — 2015
What EMERALD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 17,243,000 | 16,513,000 | 16,051,000 | 16,293,000 |
| Total loans | 10,502,000 | 10,728,000 | 10,702,000 | 10,577,000 |
| Allowance for loan losses | 292,000 | 284,000 | 263,000 | 264,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 849,000 | 748,000 | 950,000 | 949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,584,000 | 14,822,000 | 14,346,000 | 14,585,000 |
| Interest-bearing deposits | 11,874,000 | 11,196,000 | 12,048,000 | 11,183,000 |
| Noninterest-bearing deposits | 3,710,000 | 3,626,000 | 2,298,000 | 3,402,000 |
| Equity capital | 1,647,000 | 1,666,000 | 1,676,000 | 1,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 174,000 | 354,000 | 532,000 | 706,000 |
| Interest expense | 13,000 | 25,000 | 38,000 | 50,000 |
| Net interest income | 161,000 | 329,000 | 494,000 | 656,000 |
| Noninterest income | 18,000 | 37,000 | 65,000 | 87,000 |
| Noninterest expense | 170,000 | 336,000 | 515,000 | 685,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 7,000 | 28,000 | 42,000 | 56,000 |
| Income tax | 0 | 3,000 | 6,000 | 9,000 |
| Net income | 7,000 | 25,000 | 36,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,647,000 | 1,666,000 | 1,676,000 | 1,688,000 |
| Total capital | 1,750,000 | 1,791,000 | 1,799,000 | 1,811,000 |
| Risk-weighted assets | 9,951,000 | 9,879,000 | 9,712,000 | 9,682,000 |