Call reports 2008
EMERALD BANK — 2008
What EMERALD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,697,000 | 54,548,000 | 56,858,000 | 63,592,000 |
| Total loans | 49,101,000 | 49,488,000 | 49,805,000 | 49,587,000 |
| Allowance for loan losses | 492,000 | 527,000 | 654,000 | 720,000 |
| Securities available for sale | 0 | 0 | 0 | 4,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,654,000 | 38,485,000 | 40,771,000 | 47,147,000 |
| Interest-bearing deposits | 38,500,000 | 37,184,000 | 39,803,000 | 43,610,000 |
| Noninterest-bearing deposits | 1,154,000 | 1,301,000 | 968,000 | 3,537,000 |
| Equity capital | 9,668,000 | 9,707,000 | 9,701,000 | 9,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,758,000 | 2,626,000 | 3,500,000 |
| Interest expense | 478,000 | 862,000 | 1,254,000 | 1,687,000 |
| Net interest income | 427,000 | 896,000 | 1,372,000 | 1,813,000 |
| Noninterest income | 22,000 | 35,000 | 50,000 | 56,000 |
| Noninterest expense | 343,000 | 732,000 | 1,111,000 | 1,583,000 |
| Provision for loan losses | 15,000 | 50,000 | 177,000 | 243,000 |
| Pretax income | 91,000 | 149,000 | 134,000 | 43,000 |
| Income tax | 31,000 | 50,000 | 41,000 | 14,000 |
| Net income | 60,000 | 99,000 | 93,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,235,000 | 7,276,000 | 7,273,000 | 6,912,000 |
| Total capital | 7,727,000 | 7,798,000 | 7,826,000 | 7,470,000 |
| Risk-weighted assets | 39,740,000 | 41,757,000 | 44,131,000 | 44,515,000 |
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