Call reports 2025
EASTERN MICHIGAN BANK — 2025
What EASTERN MICHIGAN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 512,455,000 | 504,539,000 | 560,064,000 | 571,776,000 |
| Total loans | 202,181,000 | 208,286,000 | 207,315,000 | 203,718,000 |
| Allowance for loan losses | 2,656,000 | 2,436,000 | 2,493,000 | 2,398,000 |
| Securities available for sale | 143,837,000 | 137,101,000 | 128,066,000 | 198,365,000 |
| Securities held to maturity | 98,255,000 | 92,925,000 | 88,044,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,762,000 | 450,683,000 | 502,975,000 | 475,440,000 |
| Interest-bearing deposits | 333,447,000 | 323,744,000 | 357,423,000 | 341,667,000 |
| Noninterest-bearing deposits | 127,315,000 | 126,939,000 | 145,552,000 | 133,773,000 |
| Equity capital | 49,554,000 | 51,580,000 | 54,820,000 | 95,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,306,000 | 10,810,000 | 16,508,000 | 0 |
| Interest expense | 520,000 | 1,008,000 | 1,529,000 | 0 |
| Net interest income | 4,786,000 | 9,802,000 | 14,979,000 | 0 |
| Noninterest income | 479,000 | 985,000 | 1,551,000 | 0 |
| Noninterest expense | 3,358,000 | 6,576,000 | 9,850,000 | 0 |
| Provision for loan losses | -131,000 | -361,000 | -309,000 | 0 |
| Pretax income | 1,950,000 | 4,504,000 | 6,994,000 | 0 |
| Income tax | 379,000 | 854,000 | 1,278,000 | 0 |
| Net income | 1,571,000 | 3,650,000 | 5,716,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,594,000 | 56,021,000 | 57,562,000 | 52,213,000 |
| Total capital | 57,250,000 | 58,457,000 | 60,055,000 | 54,611,000 |
| Risk-weighted assets | 338,216,000 | 332,502,000 | 317,258,000 | 332,732,000 |