Call reports 2021
EMERALD BANK — 2021
What EMERALD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 21,753,000 | 21,616,000 | 21,928,000 | 21,539,000 |
| Total loans | 11,555,000 | 11,075,000 | 10,393,000 | 10,271,000 |
| Allowance for loan losses | 193,000 | 175,000 | 178,000 | 180,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,516,000 | 2,662,000 | 2,658,000 | 2,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,576,000 | 19,384,000 | 19,662,000 | 19,272,000 |
| Interest-bearing deposits | 12,839,000 | 13,461,000 | 13,376,000 | 13,587,000 |
| Noninterest-bearing deposits | 6,737,000 | 5,923,000 | 6,286,000 | 5,685,000 |
| Equity capital | 2,085,000 | 2,140,000 | 2,198,000 | 2,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 192,000 | 400,000 | 626,000 | 808,000 |
| Interest expense | 13,000 | 25,000 | 39,000 | 51,000 |
| Net interest income | 179,000 | 375,000 | 587,000 | 757,000 |
| Noninterest income | 19,000 | 44,000 | 64,000 | 86,000 |
| Noninterest expense | 148,000 | 301,000 | 457,000 | 625,000 |
| Provision for loan losses | 1,000 | 3,000 | 6,000 | 8,000 |
| Pretax income | 50,000 | 117,000 | 192,000 | 215,000 |
| Income tax | 10,000 | 23,000 | 39,000 | 43,000 |
| Net income | 40,000 | 94,000 | 153,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,076,000 | 2,140,000 | 2,198,000 | 2,218,000 |
| Total capital | 2,219,000 | 2,276,000 | 2,331,000 | 2,351,000 |
| Risk-weighted assets | 11,421,000 | 10,810,000 | 10,591,000 | 10,602,000 |