Call reports 2012
EASTERN MICHIGAN BANK — 2012
What EASTERN MICHIGAN 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 | 257,832,000 | 258,537,000 | 259,846,000 | 270,472,000 |
| Total loans | 141,753,000 | 141,366,000 | 139,696,000 | 139,580,000 |
| Allowance for loan losses | 2,860,000 | 2,868,000 | 2,939,000 | 2,759,000 |
| Securities available for sale | 76,237,000 | 80,084,000 | 85,898,000 | 86,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,563,000 | 231,856,000 | 232,786,000 | 243,044,000 |
| Interest-bearing deposits | 194,066,000 | 190,464,000 | 192,519,000 | 192,268,000 |
| Noninterest-bearing deposits | 37,497,000 | 41,392,000 | 40,267,000 | 50,776,000 |
| Equity capital | 25,202,000 | 25,774,000 | 26,351,000 | 26,462,000 |
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 | 2,453,000 | 4,874,000 | 7,251,000 | 9,602,000 |
| Interest expense | 309,000 | 591,000 | 856,000 | 1,102,000 |
| Net interest income | 2,144,000 | 4,283,000 | 6,395,000 | 8,500,000 |
| Noninterest income | 312,000 | 675,000 | 1,156,000 | 1,563,000 |
| Noninterest expense | 1,753,000 | 3,487,000 | 5,392,000 | 7,299,000 |
| Provision for loan losses | 75,000 | 185,000 | 255,000 | 406,000 |
| Pretax income | 630,000 | 1,288,000 | 1,906,000 | 2,360,000 |
| Income tax | 122,000 | 260,000 | 390,000 | 497,000 |
| Net income | 508,000 | 1,028,000 | 1,516,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,891,000 | 25,288,000 | 25,630,000 | 25,739,000 |
| Total capital | 26,680,000 | 27,078,000 | 27,447,000 | 27,572,000 |
| Risk-weighted assets | 142,083,000 | 142,091,000 | 144,283,000 | 145,716,000 |