Call reports 2023
EMERALD BANK — 2023
What EMERALD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 |
|---|---|
| Total assets | 22,240,000 |
| Total loans | 10,935,000 |
| Allowance for loan losses | 190,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 3,185,000 |
| Trading assets | 0 |
| Total deposits | 19,898,000 |
| Interest-bearing deposits | 13,275,000 |
| Noninterest-bearing deposits | 6,623,000 |
| Equity capital | 2,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 |
|---|---|
| Interest income | 262,000 |
| Interest expense | 21,000 |
| Net interest income | 241,000 |
| Noninterest income | 22,000 |
| Noninterest expense | 313,000 |
| Provision for loan losses | 10,000 |
| Pretax income | -59,000 |
| Income tax | 0 |
| Net income | -59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 |
|---|---|
| Tier 1 capital | 2,332,000 |
| Total capital | 2,461,000 |
| Risk-weighted assets | 10,235,000 |