Call reports 2019
EMERALD BANK — 2019
What EMERALD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 17,909,000 | 17,839,000 | 17,987,000 | 17,285,000 |
| Total loans | 10,677,000 | 10,808,000 | 10,781,000 | 11,079,000 |
| Allowance for loan losses | 220,000 | 204,000 | 217,000 | 196,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 694,000 | 696,000 | 746,000 | 1,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,923,000 | 15,862,000 | 15,988,000 | 15,351,000 |
| Interest-bearing deposits | 11,066,000 | 10,916,000 | 11,146,000 | 10,965,000 |
| Noninterest-bearing deposits | 4,857,000 | 4,946,000 | 4,842,000 | 4,386,000 |
| Equity capital | 1,925,000 | 1,959,000 | 1,973,000 | 1,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 194,000 | 399,000 | 604,000 | 802,000 |
| Interest expense | 21,000 | 43,000 | 65,000 | 87,000 |
| Net interest income | 173,000 | 356,000 | 539,000 | 715,000 |
| Noninterest income | 24,000 | 44,000 | 64,000 | 85,000 |
| Noninterest expense | 154,000 | 314,000 | 496,000 | 772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 86,000 | 107,000 | 28,000 |
| Income tax | 9,000 | 18,000 | 25,000 | 6,000 |
| Net income | 34,000 | 68,000 | 82,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,914,000 | 1,948,000 | 1,959,000 | 1,871,000 |
| Total capital | 2,035,000 | 2,071,000 | 2,081,000 | 1,993,000 |
| Risk-weighted assets | 9,564,000 | 9,738,000 | 9,656,000 | 9,671,000 |