Call reports 2009
EMERALD BANK — 2009
What EMERALD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 62,428,000 | 64,816,000 | 67,712,000 | 72,452,000 |
| Total loans | 50,267,000 | 50,098,000 | 51,544,000 | 50,496,000 |
| Allowance for loan losses | 680,000 | 773,000 | 1,437,000 | 1,739,000 |
| Securities available for sale | 3,913,000 | 3,612,000 | 3,430,000 | 9,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,837,000 | 50,505,000 | 54,217,000 | 58,796,000 |
| Interest-bearing deposits | 44,771,000 | 46,204,000 | 50,149,000 | 54,600,000 |
| Noninterest-bearing deposits | 3,066,000 | 4,301,000 | 4,068,000 | 4,196,000 |
| Equity capital | 9,580,000 | 9,402,000 | 8,594,000 | 9,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,551,000 | 2,369,000 | 3,250,000 |
| Interest expense | 412,000 | 790,000 | 1,124,000 | 1,452,000 |
| Net interest income | 428,000 | 761,000 | 1,245,000 | 1,798,000 |
| Noninterest income | 11,000 | 22,000 | 34,000 | 48,000 |
| Noninterest expense | 508,000 | 1,073,000 | 1,708,000 | 2,258,000 |
| Provision for loan losses | 24,000 | 124,000 | 1,290,000 | 1,598,000 |
| Pretax income | -93,000 | -414,000 | -1,719,000 | -2,010,000 |
| Income tax | -27,000 | -140,000 | -583,000 | -685,000 |
| Net income | -66,000 | -274,000 | -1,136,000 | -1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,851,000 | 6,650,000 | 5,792,000 | 6,858,000 |
| Total capital | 7,428,000 | 7,246,000 | 6,403,000 | 7,479,000 |
| Risk-weighted assets | 46,040,000 | 47,542,000 | 48,129,000 | 48,543,000 |
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