Call reports 2005
EMERALD BANK — 2005
What EMERALD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 12,557,000 | 15,233,000 | 18,130,000 | 21,398,000 |
| Total loans | 5,552,000 | 8,528,000 | 15,091,000 | 18,606,000 |
| Allowance for loan losses | 56,000 | 85,000 | 148,000 | 182,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,970,000 | 8,774,000 | 10,857,000 | 12,025,000 |
| Interest-bearing deposits | 5,786,000 | 8,620,000 | 10,642,000 | 11,821,000 |
| Noninterest-bearing deposits | 184,000 | 154,000 | 215,000 | 204,000 |
| Equity capital | 6,432,000 | 6,242,000 | 6,036,000 | 5,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 91,000 | 233,000 | 433,000 | 690,000 |
| Interest expense | 28,000 | 79,000 | 160,000 | 273,000 |
| Net interest income | 63,000 | 154,000 | 273,000 | 417,000 |
| Noninterest income | 7,000 | 12,000 | 16,000 | 21,000 |
| Noninterest expense | 252,000 | 508,000 | 774,000 | 1,063,000 |
| Provision for loan losses | 30,000 | 60,000 | 123,000 | 157,000 |
| Pretax income | -212,000 | -402,000 | -608,000 | -782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -212,000 | -402,000 | -608,000 | -782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,432,000 | 6,242,000 | 6,036,000 | 5,862,000 |
| Total capital | 6,487,000 | 6,328,000 | 6,184,000 | 6,044,000 |
| Risk-weighted assets | 4,803,000 | 6,864,000 | 11,089,000 | 14,457,000 |
Machine access — free, no API key
Every figure shown here about EMERALD BANK — 2005 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.