Call reports 2003
CARTER COUNTY BANK — 2003
What CARTER COUNTY 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 | 184,843,000 | 181,948,000 | 177,715,000 | 183,861,000 |
| Total loans | 138,424,000 | 138,540,000 | 134,782,000 | 132,861,000 |
| Allowance for loan losses | 1,908,000 | 1,890,000 | 1,653,000 | 1,707,000 |
| Securities available for sale | 27,488,000 | 28,087,000 | 29,156,000 | 24,752,000 |
| Securities held to maturity | 340,000 | 260,000 | 260,000 | 1,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,042,000 | 163,185,000 | 158,914,000 | 164,025,000 |
| Interest-bearing deposits | 143,779,000 | 140,579,000 | 136,757,000 | 141,693,000 |
| Noninterest-bearing deposits | 21,263,000 | 22,606,000 | 22,157,000 | 22,332,000 |
| Equity capital | 16,567,000 | 16,838,000 | 16,841,000 | 16,976,000 |
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 | 2,757,000 | 5,372,000 | 7,928,000 | 10,413,000 |
| Interest expense | 734,000 | 1,392,000 | 1,970,000 | 2,510,000 |
| Net interest income | 2,023,000 | 3,980,000 | 5,958,000 | 7,903,000 |
| Noninterest income | 454,000 | 971,000 | 1,439,000 | 1,946,000 |
| Noninterest expense | 1,432,000 | 2,875,000 | 4,263,000 | 5,586,000 |
| Provision for loan losses | 14,000 | 50,000 | 115,000 | 240,000 |
| Pretax income | 1,031,000 | 2,026,000 | 3,019,000 | 4,023,000 |
| Income tax | 61,000 | 86,000 | 112,000 | 165,000 |
| Net income | 970,000 | 1,940,000 | 2,907,000 | 3,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,216,000 | 16,432,000 | 16,636,000 | 16,823,000 |
| Total capital | 17,788,000 | 18,003,000 | 18,169,000 | 18,360,000 |
| Risk-weighted assets | 125,413,000 | 125,391,000 | 122,532,000 | 122,773,000 |
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