Call reports 2005
EASTERN MICHIGAN BANK — 2005
What EASTERN MICHIGAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 223,727,000 | 225,505,000 | 231,261,000 | 231,589,000 |
| Total loans | 179,867,000 | 182,516,000 | 181,838,000 | 180,225,000 |
| Allowance for loan losses | 2,260,000 | 2,243,000 | 2,203,000 | 2,210,000 |
| Securities available for sale | 25,509,000 | 23,928,000 | 26,674,000 | 29,614,000 |
| Securities held to maturity | 2,172,000 | 2,156,000 | 1,934,000 | 1,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,315,000 | 203,786,000 | 208,943,000 | 209,868,000 |
| Interest-bearing deposits | 179,358,000 | 177,701,000 | 183,407,000 | 183,122,000 |
| Noninterest-bearing deposits | 22,957,000 | 26,085,000 | 25,536,000 | 26,746,000 |
| Equity capital | 20,156,000 | 20,466,000 | 20,848,000 | 20,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,930,000 | 5,948,000 | 9,062,000 | 12,278,000 |
| Interest expense | 827,000 | 1,687,000 | 2,605,000 | 3,619,000 |
| Net interest income | 2,103,000 | 4,261,000 | 6,457,000 | 8,659,000 |
| Noninterest income | 297,000 | 584,000 | 906,000 | 1,208,000 |
| Noninterest expense | 1,586,000 | 3,253,000 | 4,931,000 | 6,762,000 |
| Provision for loan losses | 0 | 31,000 | 31,000 | 364,000 |
| Pretax income | 814,000 | 1,561,000 | 2,401,000 | 2,741,000 |
| Income tax | 250,000 | 490,000 | 749,000 | 852,000 |
| Net income | 564,000 | 1,071,000 | 1,652,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,285,000 | 20,574,000 | 20,944,000 | 20,785,000 |
| Total capital | 22,295,000 | 22,621,000 | 22,988,000 | 22,812,000 |
| Risk-weighted assets | 160,493,000 | 163,597,000 | 163,400,000 | 161,982,000 |