Call reports 2020
EMERALD BANK — 2020
What EMERALD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 18,350,000 | 19,174,000 | 19,092,000 | 19,227,000 |
| Total loans | 10,902,000 | 11,278,000 | 11,776,000 | 11,199,000 |
| Allowance for loan losses | 187,000 | 189,000 | 190,000 | 192,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,558,000 | 1,912,000 | 2,715,000 | 2,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,402,000 | 17,188,000 | 17,029,000 | 17,146,000 |
| Interest-bearing deposits | 11,404,000 | 11,678,000 | 11,451,000 | 11,799,000 |
| Noninterest-bearing deposits | 4,998,000 | 5,510,000 | 5,578,000 | 5,347,000 |
| Equity capital | 1,925,000 | 1,949,000 | 2,012,000 | 2,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 200,000 | 400,000 | 594,000 | 784,000 |
| Interest expense | 23,000 | 46,000 | 66,000 | 81,000 |
| Net interest income | 177,000 | 354,000 | 528,000 | 703,000 |
| Noninterest income | 24,000 | 43,000 | 61,000 | 85,000 |
| Noninterest expense | 187,000 | 353,000 | 518,000 | 674,000 |
| Provision for loan losses | 0 | 1,000 | 3,000 | 5,000 |
| Pretax income | 14,000 | 43,000 | 125,000 | 167,000 |
| Income tax | 2,000 | 7,000 | 26,000 | 34,000 |
| Net income | 12,000 | 36,000 | 99,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,885,000 | 1,940,000 | 2,003,000 | 2,037,000 |
| Total capital | 2,009,000 | 2,074,000 | 2,141,000 | 2,171,000 |
| Risk-weighted assets | 9,855,000 | 10,634,000 | 10,970,000 | 10,645,000 |