Call reports 2026
EASTERN MICHIGAN BANK — 2026
What EASTERN MICHIGAN BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 567,842,000 | 553,623,000 |
| Total loans | 198,111,000 | 194,285,000 |
| Allowance for loan losses | 2,348,000 | 2,263,000 |
| Securities available for sale | 192,824,000 | 179,045,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 470,211,000 | 453,657,000 |
| Interest-bearing deposits | 348,440,000 | 318,587,000 |
| Noninterest-bearing deposits | 121,771,000 | 135,070,000 |
| Equity capital | 96,847,000 | 97,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 6,485,000 | 12,891,000 |
| Interest expense | 611,000 | 1,141,000 |
| Net interest income | 5,874,000 | 11,750,000 |
| Noninterest income | 546,000 | 1,132,000 |
| Noninterest expense | 4,045,000 | 8,045,000 |
| Provision for loan losses | -100,000 | -200,000 |
| Pretax income | 2,475,000 | 5,037,000 |
| Income tax | 499,000 | 1,033,000 |
| Net income | 1,976,000 | 4,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 55,372,000 | 61,899,000 |
| Total capital | 57,720,000 | 64,162,000 |
| Risk-weighted assets | 323,488,000 | 316,281,000 |