Call reports 2010
EMERALD BANK — 2010
What EMERALD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 73,379,000 | 73,439,000 | 77,175,000 | 78,302,000 |
| Total loans | 51,227,000 | 53,256,000 | 52,046,000 | 52,179,000 |
| Allowance for loan losses | 1,859,000 | 1,979,000 | 2,134,000 | 2,128,000 |
| Securities available for sale | 8,838,000 | 8,641,000 | 7,829,000 | 8,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,382,000 | 58,907,000 | 62,036,000 | 64,625,000 |
| Interest-bearing deposits | 54,982,000 | 54,451,000 | 58,108,000 | 58,880,000 |
| Noninterest-bearing deposits | 4,400,000 | 4,456,000 | 3,928,000 | 5,745,000 |
| Equity capital | 9,568,000 | 9,667,000 | 9,968,000 | 9,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,798,000 | 2,692,000 | 3,582,000 |
| Interest expense | 308,000 | 612,000 | 903,000 | 1,190,000 |
| Net interest income | 576,000 | 1,186,000 | 1,789,000 | 2,392,000 |
| Noninterest income | 13,000 | 15,000 | 25,000 | 39,000 |
| Noninterest expense | 530,000 | 1,050,000 | 1,536,000 | 1,932,000 |
| Provision for loan losses | 120,000 | 240,000 | 710,000 | 920,000 |
| Pretax income | -61,000 | -89,000 | -432,000 | -421,000 |
| Income tax | -21,000 | -31,000 | -146,000 | -129,000 |
| Net income | -40,000 | -58,000 | -286,000 | -292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,824,000 | 6,811,000 | 6,690,000 | 6,689,000 |
| Total capital | 7,455,000 | 7,454,000 | 7,339,000 | 7,356,000 |
| Risk-weighted assets | 49,232,000 | 50,072,000 | 50,406,000 | 51,888,000 |
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