Call reports 2016
EMERALD BANK — 2016
What EMERALD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 16,565,000 | 16,509,000 | 17,772,000 | 17,856,000 |
| Total loans | 10,475,000 | 10,596,000 | 10,908,000 | 11,118,000 |
| Allowance for loan losses | 287,000 | 238,000 | 236,000 | 234,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,358,000 | 1,357,000 | 1,355,000 | 1,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,862,000 | 14,781,000 | 16,023,000 | 16,111,000 |
| Interest-bearing deposits | 11,320,000 | 11,132,000 | 12,411,000 | 12,198,000 |
| Noninterest-bearing deposits | 3,542,000 | 3,649,000 | 3,612,000 | 3,913,000 |
| Equity capital | 1,690,000 | 1,707,000 | 1,721,000 | 1,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 171,000 | 347,000 | 524,000 | 711,000 |
| Interest expense | 13,000 | 26,000 | 39,000 | 53,000 |
| Net interest income | 158,000 | 321,000 | 485,000 | 658,000 |
| Noninterest income | 18,000 | 38,000 | 61,000 | 79,000 |
| Noninterest expense | 171,000 | 334,000 | 504,000 | 680,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 25,000 | 42,000 | 57,000 |
| Income tax | 1,000 | 5,000 | 8,000 | 19,000 |
| Net income | 4,000 | 20,000 | 34,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,690,000 | 1,707,000 | 1,721,000 | 1,725,000 |
| Total capital | 1,811,000 | 1,827,000 | 1,848,000 | 1,848,000 |
| Risk-weighted assets | 9,479,000 | 9,521,000 | 10,034,000 | 9,859,000 |