Call reports 2013
EMERALD BANK — 2013
What EMERALD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 76,415,000 | 78,969,000 | 80,840,000 | 83,513,000 |
| Total loans | 54,207,000 | 60,425,000 | 62,198,000 | 65,160,000 |
| Allowance for loan losses | 2,221,000 | 2,071,000 | 2,121,000 | 2,153,000 |
| Securities available for sale | 9,215,000 | 8,316,000 | 8,142,000 | 7,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,516,000 | 66,545,000 | 67,863,000 | 70,033,000 |
| Interest-bearing deposits | 56,794,000 | 59,398,000 | 61,957,000 | 62,171,000 |
| Noninterest-bearing deposits | 6,722,000 | 7,147,000 | 5,906,000 | 7,862,000 |
| Equity capital | 11,379,000 | 11,167,000 | 11,221,000 | 11,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,802,000 | 2,760,000 | 3,719,000 |
| Interest expense | 143,000 | 267,000 | 383,000 | 491,000 |
| Net interest income | 750,000 | 1,535,000 | 2,377,000 | 3,228,000 |
| Noninterest income | 17,000 | 19,000 | 42,000 | 62,000 |
| Noninterest expense | 594,000 | 1,112,000 | 1,667,000 | 2,268,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 174,000 | 443,000 | 703,000 | 873,000 |
| Income tax | 62,000 | 150,000 | 234,000 | 275,000 |
| Net income | 112,000 | 293,000 | 469,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,919,000 | 8,198,000 | 8,475,000 | 8,605,000 |
| Total capital | 8,619,000 | 8,994,000 | 9,294,000 | 9,482,000 |
| Risk-weighted assets | 54,565,000 | 62,520,000 | 64,160,000 | 68,925,000 |