Call reports 2003
FIRST CAROLINA BANK — 2003
What FIRST CAROLINA 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 | 54,821,000 | 57,584,000 | 59,179,000 | 62,304,000 |
| Total loans | 41,730,000 | 44,029,000 | 46,312,000 | 47,270,000 |
| Allowance for loan losses | 622,000 | 649,000 | 679,000 | 712,000 |
| Securities available for sale | 2,521,000 | 2,320,000 | 3,876,000 | 5,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,408,000 | 49,879,000 | 51,609,000 | 54,800,000 |
| Interest-bearing deposits | 42,511,000 | 45,630,000 | 47,271,000 | 51,147,000 |
| Noninterest-bearing deposits | 5,897,000 | 4,249,000 | 4,338,000 | 3,653,000 |
| Equity capital | 5,935,000 | 6,023,000 | 6,120,000 | 6,163,000 |
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 | 647,000 | 1,349,000 | 2,045,000 | 2,783,000 |
| Interest expense | 264,000 | 521,000 | 761,000 | 1,008,000 |
| Net interest income | 383,000 | 828,000 | 1,284,000 | 1,775,000 |
| Noninterest income | 63,000 | 116,000 | 187,000 | 231,000 |
| Noninterest expense | 369,000 | 755,000 | 1,133,000 | 1,592,000 |
| Provision for loan losses | 48,000 | 75,000 | 105,000 | 138,000 |
| Pretax income | 29,000 | 114,000 | 233,000 | 276,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 114,000 | 233,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,921,000 | 6,006,000 | 6,125,000 | 6,168,000 |
| Total capital | 6,411,000 | 6,518,000 | 6,668,000 | 6,724,000 |
| Risk-weighted assets | 39,101,000 | 40,858,000 | 43,332,000 | 44,349,000 |
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