Call reports 2018
EMERALD BANK — 2018
What EMERALD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 17,234,000 | 17,369,000 | 16,814,000 | 16,965,000 |
| Total loans | 10,832,000 | 9,778,000 | 9,906,000 | 10,080,000 |
| Allowance for loan losses | 220,000 | 221,000 | 221,000 | 220,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 846,000 | 846,000 | 745,000 | 845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,363,000 | 15,481,000 | 14,902,000 | 15,042,000 |
| Interest-bearing deposits | 11,195,000 | 11,188,000 | 10,843,000 | 10,908,000 |
| Noninterest-bearing deposits | 4,168,000 | 4,293,000 | 4,059,000 | 4,134,000 |
| Equity capital | 1,837,000 | 1,859,000 | 1,878,000 | 1,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 366,000 | 555,000 | 743,000 |
| Interest expense | 14,000 | 28,000 | 43,000 | 62,000 |
| Net interest income | 170,000 | 338,000 | 512,000 | 681,000 |
| Noninterest income | 21,000 | 41,000 | 59,000 | 76,000 |
| Noninterest expense | 159,000 | 317,000 | 484,000 | 654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 62,000 | 87,000 | 103,000 |
| Income tax | 7,000 | 15,000 | 20,000 | 24,000 |
| Net income | 25,000 | 47,000 | 67,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,837,000 | 1,859,000 | 1,878,000 | 1,891,000 |
| Total capital | 1,957,000 | 1,971,000 | 1,988,000 | 2,005,000 |
| Risk-weighted assets | 9,553,000 | 8,865,000 | 8,774,000 | 9,072,000 |