Call reports 2007
EMERALD BANK — 2007
What EMERALD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,088,000 | 50,681,000 | 51,179,000 | 54,223,000 |
| Total loans | 38,683,000 | 42,306,000 | 45,551,000 | 48,287,000 |
| Allowance for loan losses | 387,000 | 461,000 | 461,000 | 477,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,425,000 | 37,390,000 | 38,211,000 | 39,236,000 |
| Interest-bearing deposits | 32,123,000 | 36,954,000 | 37,497,000 | 38,619,000 |
| Noninterest-bearing deposits | 302,000 | 436,000 | 714,000 | 617,000 |
| Equity capital | 4,957,000 | 9,618,000 | 9,607,000 | 9,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 645,000 | 1,509,000 | 2,367,000 |
| Interest expense | 426,000 | 379,000 | 895,000 | 1,383,000 |
| Net interest income | 280,000 | 266,000 | 614,000 | 984,000 |
| Noninterest income | 22,000 | 5,000 | 28,000 | 57,000 |
| Noninterest expense | 521,000 | 204,000 | 570,000 | 937,000 |
| Provision for loan losses | 46,000 | 24,000 | 24,000 | 49,000 |
| Pretax income | -265,000 | 43,000 | 48,000 | 55,000 |
| Income tax | 0 | 0 | 16,000 | 22,000 |
| Net income | -265,000 | 43,000 | 32,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,957,000 | 6,317,000 | 6,306,000 | 7,197,000 |
| Total capital | 5,344,000 | 6,759,000 | 6,767,000 | 7,674,000 |
| Risk-weighted assets | 31,559,000 | 35,364,000 | 37,227,000 | 39,877,000 |
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