Call reports 2019
EASTERN MICHIGAN BANK — 2019
What EASTERN MICHIGAN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 360,851,000 | 367,978,000 | 400,172,000 | 373,854,000 |
| Total loans | 178,087,000 | 182,802,000 | 183,966,000 | 181,340,000 |
| Allowance for loan losses | 1,483,000 | 1,493,000 | 1,523,000 | 1,574,000 |
| Securities available for sale | 101,251,000 | 99,158,000 | 94,430,000 | 96,032,000 |
| Securities held to maturity | 8,791,000 | 7,942,000 | 7,503,000 | 7,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,918,000 | 330,573,000 | 361,147,000 | 334,421,000 |
| Interest-bearing deposits | 251,339,000 | 249,873,000 | 277,516,000 | 254,578,000 |
| Noninterest-bearing deposits | 73,579,000 | 80,700,000 | 83,631,000 | 79,843,000 |
| Equity capital | 35,187,000 | 36,611,000 | 37,727,000 | 38,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,074,000 | 6,343,000 | 9,665,000 | 12,804,000 |
| Interest expense | 192,000 | 413,000 | 661,000 | 885,000 |
| Net interest income | 2,882,000 | 5,930,000 | 9,004,000 | 11,919,000 |
| Noninterest income | 386,000 | 823,000 | 1,310,000 | 1,764,000 |
| Noninterest expense | 2,087,000 | 4,197,000 | 6,226,000 | 8,486,000 |
| Provision for loan losses | 77,000 | 92,000 | 102,000 | 155,000 |
| Pretax income | 1,089,000 | 2,449,000 | 3,971,000 | 5,027,000 |
| Income tax | 153,000 | 398,000 | 670,000 | 864,000 |
| Net income | 936,000 | 2,051,000 | 3,301,000 | 4,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,390,000 | 36,279,000 | 37,322,000 | 37,821,000 |
| Total capital | 36,873,000 | 37,772,000 | 38,845,000 | 39,395,000 |
| Risk-weighted assets | 208,490,000 | 208,753,000 | 212,653,000 | 214,587,000 |