Call reports 2011
EMERALD BANK — 2011
What EMERALD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 74,767,000 | 69,674,000 | 73,952,000 | 77,803,000 |
| Total loans | 51,950,000 | 51,638,000 | 51,917,000 | 52,286,000 |
| Allowance for loan losses | 2,289,000 | 2,512,000 | 2,919,000 | 2,103,000 |
| Securities available for sale | 9,724,000 | 9,779,000 | 8,794,000 | 8,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,319,000 | 56,194,000 | 60,099,000 | 62,855,000 |
| Interest-bearing deposits | 56,882,000 | 50,552,000 | 55,237,000 | 57,576,000 |
| Noninterest-bearing deposits | 4,437,000 | 5,642,000 | 4,862,000 | 5,279,000 |
| Equity capital | 9,732,000 | 10,314,000 | 10,516,000 | 11,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,714,000 | 2,552,000 | 3,361,000 |
| Interest expense | 245,000 | 466,000 | 664,000 | 857,000 |
| Net interest income | 618,000 | 1,248,000 | 1,888,000 | 2,504,000 |
| Noninterest income | 14,000 | 27,000 | 43,000 | 64,000 |
| Noninterest expense | 428,000 | 992,000 | 1,526,000 | 2,121,000 |
| Provision for loan losses | 190,000 | 410,000 | 880,000 | 1,030,000 |
| Pretax income | 14,000 | -127,000 | -475,000 | -583,000 |
| Income tax | 5,000 | -42,000 | -162,000 | -198,000 |
| Net income | 9,000 | -85,000 | -313,000 | -385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,098,000 | 6,532,000 | 6,003,000 | 6,799,000 |
| Total capital | 6,741,000 | 7,164,000 | 6,682,000 | 7,491,000 |
| Risk-weighted assets | 49,787,000 | 48,649,000 | 52,066,000 | 53,267,000 |