Call reports 2004
FIRST CAROLINA BANK — 2004
What FIRST CAROLINA 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 | 61,724,000 | 65,714,000 | 68,516,000 | 68,598,000 |
| Total loans | 49,370,000 | 50,714,000 | 50,634,000 | 51,867,000 |
| Allowance for loan losses | 724,000 | 525,000 | 525,000 | 525,000 |
| Securities available for sale | 6,838,000 | 5,887,000 | 5,851,000 | 5,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,502,000 | 54,809,000 | 57,268,000 | 57,477,000 |
| Interest-bearing deposits | 49,511,000 | 50,557,000 | 52,990,000 | 52,552,000 |
| Noninterest-bearing deposits | 3,991,000 | 4,252,000 | 4,278,000 | 4,925,000 |
| Equity capital | 5,773,000 | 10,298,000 | 10,439,000 | 10,551,000 |
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 | 730,000 | 749,000 | 1,525,000 | 2,341,000 |
| Interest expense | 251,000 | 254,000 | 516,000 | 788,000 |
| Net interest income | 479,000 | 495,000 | 1,009,000 | 1,553,000 |
| Noninterest income | 42,000 | 32,000 | 66,000 | 112,000 |
| Noninterest expense | 907,000 | 403,000 | 809,000 | 1,233,000 |
| Provision for loan losses | 12,000 | -199,000 | -199,000 | -199,000 |
| Pretax income | -398,000 | 323,000 | 465,000 | 632,000 |
| Income tax | 0 | 100,000 | 139,000 | 187,000 |
| Net income | -398,000 | 223,000 | 326,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,770,000 | 5,805,000 | 5,914,000 | 6,211,000 |
| Total capital | 6,347,000 | 6,330,000 | 6,439,000 | 6,736,000 |
| Risk-weighted assets | 46,032,000 | 47,445,000 | 47,692,000 | 48,051,000 |
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