Call reports 2012
EMERALD BANK — 2012
What EMERALD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 80,835,000 | 78,589,000 | 78,896,000 | 76,986,000 |
| Total loans | 51,099,000 | 55,311,000 | 55,999,000 | 54,932,000 |
| Allowance for loan losses | 2,199,000 | 2,299,000 | 2,158,000 | 2,249,000 |
| Securities available for sale | 11,073,000 | 10,515,000 | 9,906,000 | 9,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,982,000 | 63,844,000 | 64,316,000 | 63,854,000 |
| Interest-bearing deposits | 58,924,000 | 58,623,000 | 59,289,000 | 58,548,000 |
| Noninterest-bearing deposits | 7,058,000 | 5,221,000 | 5,027,000 | 5,306,000 |
| Equity capital | 11,097,000 | 11,248,000 | 11,388,000 | 11,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 819,000 | 1,665,000 | 2,592,000 | 3,478,000 |
| Interest expense | 190,000 | 372,000 | 552,000 | 711,000 |
| Net interest income | 629,000 | 1,293,000 | 2,040,000 | 2,767,000 |
| Noninterest income | 107,000 | 133,000 | 158,000 | 179,000 |
| Noninterest expense | 555,000 | 1,055,000 | 1,574,000 | 2,126,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 550,000 |
| Pretax income | 31,000 | 121,000 | 299,000 | 368,000 |
| Income tax | 10,000 | 42,000 | 102,000 | 128,000 |
| Net income | 21,000 | 79,000 | 197,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,331,000 | 7,444,000 | 7,623,000 | 7,737,000 |
| Total capital | 8,025,000 | 8,159,000 | 8,354,000 | 8,439,000 |
| Risk-weighted assets | 54,039,000 | 55,644,000 | 56,776,000 | 54,627,000 |