Call reports 2018
EASTERN MICHIGAN BANK — 2018
What EASTERN MICHIGAN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 335,004,000 | 330,215,000 | 348,378,000 | 355,048,000 |
| Total loans | 169,692,000 | 175,031,000 | 176,510,000 | 176,614,000 |
| Allowance for loan losses | 1,382,000 | 1,463,000 | 1,367,000 | 1,552,000 |
| Securities available for sale | 99,338,000 | 92,100,000 | 91,654,000 | 79,944,000 |
| Securities held to maturity | 10,758,000 | 9,846,000 | 9,444,000 | 9,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,218,000 | 296,939,000 | 314,374,000 | 320,095,000 |
| Interest-bearing deposits | 226,046,000 | 226,113,000 | 244,665,000 | 241,363,000 |
| Noninterest-bearing deposits | 76,172,000 | 70,826,000 | 69,709,000 | 78,732,000 |
| Equity capital | 31,995,000 | 32,460,000 | 33,011,000 | 33,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,648,000 | 5,305,000 | 8,120,000 | 11,059,000 |
| Interest expense | 97,000 | 211,000 | 341,000 | 478,000 |
| Net interest income | 2,551,000 | 5,094,000 | 7,779,000 | 10,581,000 |
| Noninterest income | 466,000 | 978,000 | 1,453,000 | 1,937,000 |
| Noninterest expense | 2,004,000 | 3,973,000 | 5,940,000 | 8,044,000 |
| Provision for loan losses | 176,000 | 343,000 | 388,000 | 363,000 |
| Pretax income | 837,000 | 1,756,000 | 2,873,000 | 3,909,000 |
| Income tax | 188,000 | 399,000 | 656,000 | 682,000 |
| Net income | 649,000 | 1,357,000 | 2,217,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,740,000 | 33,277,000 | 33,981,000 | 34,681,000 |
| Total capital | 34,122,000 | 34,740,000 | 35,348,000 | 36,233,000 |
| Risk-weighted assets | 187,655,000 | 196,221,000 | 204,553,000 | 203,341,000 |