Call reports 2017
EMERALD BANK — 2017
What EMERALD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 18,127,000 | 17,006,000 | 17,062,000 | 17,052,000 |
| Total loans | 11,306,000 | 11,712,000 | 11,859,000 | 11,324,000 |
| Allowance for loan losses | 233,000 | 233,000 | 231,000 | 231,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,353,000 | 1,150,000 | 849,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,364,000 | 15,210,000 | 15,223,000 | 15,226,000 |
| Interest-bearing deposits | 12,014,000 | 11,231,000 | 11,563,000 | 11,362,000 |
| Noninterest-bearing deposits | 4,350,000 | 3,979,000 | 3,660,000 | 3,864,000 |
| Equity capital | 1,751,000 | 1,774,000 | 1,800,000 | 1,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 185,000 | 376,000 | 572,000 | 763,000 |
| Interest expense | 13,000 | 25,000 | 38,000 | 52,000 |
| Net interest income | 172,000 | 351,000 | 534,000 | 711,000 |
| Noninterest income | 21,000 | 39,000 | 60,000 | 76,000 |
| Noninterest expense | 162,000 | 327,000 | 493,000 | 667,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 63,000 | 101,000 | 120,000 |
| Income tax | 5,000 | 14,000 | 26,000 | 33,000 |
| Net income | 26,000 | 49,000 | 75,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,751,000 | 1,774,000 | 1,800,000 | 1,812,000 |
| Total capital | 1,874,000 | 1,901,000 | 1,926,000 | 1,936,000 |
| Risk-weighted assets | 9,722,000 | 10,068,000 | 9,962,000 | 9,770,000 |