Call reports 2004
EMERALD BANK — 2004
What EMERALD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 9,133,000 | 8,855,000 | 8,673,000 | 8,908,000 |
| Total loans | 6,883,000 | 6,933,000 | 6,863,000 | 7,041,000 |
| Allowance for loan losses | 233,000 | 230,000 | 200,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 704,000 | 703,000 | 703,000 | 703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,289,000 | 8,006,000 | 7,812,000 | 8,046,000 |
| Interest-bearing deposits | 6,765,000 | 6,711,000 | 6,455,000 | 6,691,000 |
| Noninterest-bearing deposits | 1,524,000 | 1,295,000 | 1,357,000 | 1,355,000 |
| Equity capital | 814,000 | 817,000 | 821,000 | 823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 137,000 | 268,000 | 405,000 | 547,000 |
| Interest expense | 23,000 | 45,000 | 68,000 | 93,000 |
| Net interest income | 114,000 | 223,000 | 337,000 | 454,000 |
| Noninterest income | 27,000 | 61,000 | 88,000 | 112,000 |
| Noninterest expense | 137,000 | 277,000 | 415,000 | 553,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 7,000 | 10,000 | 13,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,000 | 7,000 | 10,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 814,000 | 817,000 | 821,000 | 823,000 |
| Total capital | 884,000 | 887,000 | 889,000 | 892,000 |
| Risk-weighted assets | 5,426,000 | 5,426,000 | 5,316,000 | 5,394,000 |
Machine access — free, no API key
Every figure shown here about EMERALD BANK — 2004 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 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.