Call reports 2003
EMERALD BANK — 2003
What EMERALD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 9,991,000 | 9,149,000 | 8,683,000 | 8,353,000 |
| Total loans | 7,881,000 | 7,809,000 | 7,715,000 | 7,398,000 |
| Allowance for loan losses | 296,000 | 292,000 | 291,000 | 271,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 351,000 | 351,000 | 201,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,162,000 | 8,318,000 | 7,834,000 | 7,516,000 |
| Interest-bearing deposits | 7,605,000 | 6,902,000 | 6,408,000 | 6,111,000 |
| Noninterest-bearing deposits | 1,557,000 | 1,416,000 | 1,426,000 | 1,405,000 |
| Equity capital | 780,000 | 798,000 | 820,000 | 810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 172,000 | 339,000 | 502,000 | 648,000 |
| Interest expense | 35,000 | 65,000 | 90,000 | 114,000 |
| Net interest income | 137,000 | 274,000 | 412,000 | 534,000 |
| Noninterest income | 28,000 | 55,000 | 85,000 | 109,000 |
| Noninterest expense | 147,000 | 290,000 | 438,000 | 592,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 39,000 | 59,000 | 51,000 |
| Income tax | 6,000 | 9,000 | 7,000 | 9,000 |
| Net income | 12,000 | 30,000 | 52,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 780,000 | 798,000 | 820,000 | 810,000 |
| Total capital | 857,000 | 874,000 | 895,000 | 881,000 |
| Risk-weighted assets | 5,915,000 | 5,886,000 | 5,751,000 | 5,468,000 |
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Every figure shown here about EMERALD BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.