Call reports 2022
EMERALD BANK — 2022
What EMERALD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 21,791,000 | 22,115,000 | 22,187,000 | 21,271,000 |
| Total loans | 10,265,000 | 10,399,000 | 10,450,000 | 10,840,000 |
| Allowance for loan losses | 182,000 | 176,000 | 178,000 | 180,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,962,000 | 2,957,000 | 3,153,000 | 3,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,477,000 | 19,808,000 | 19,828,000 | 18,850,000 |
| Interest-bearing deposits | 13,529,000 | 13,213,000 | 13,431,000 | 13,186,000 |
| Noninterest-bearing deposits | 5,948,000 | 6,595,000 | 6,397,000 | 5,664,000 |
| Equity capital | 2,252,000 | 2,282,000 | 2,329,000 | 2,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 366,000 | 579,000 | 811,000 |
| Interest expense | 12,000 | 23,000 | 35,000 | 49,000 |
| Net interest income | 168,000 | 343,000 | 544,000 | 762,000 |
| Noninterest income | 31,000 | 53,000 | 73,000 | 98,000 |
| Noninterest expense | 156,000 | 309,000 | 470,000 | 629,000 |
| Provision for loan losses | 2,000 | 4,000 | 6,000 | 8,000 |
| Pretax income | 40,000 | 84,000 | 144,000 | 226,000 |
| Income tax | 6,000 | 20,000 | 33,000 | 52,000 |
| Net income | 34,000 | 64,000 | 111,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,252,000 | 2,282,000 | 2,329,000 | 2,391,000 |
| Total capital | 2,384,000 | 2,417,000 | 2,463,000 | 2,529,000 |
| Risk-weighted assets | 10,518,000 | 10,725,000 | 10,694,000 | 10,987,000 |