Call reports 2002
BANK OF CHARLOTTE COUNTY, THE — 2002
What BANK OF CHARLOTTE COUNTY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 98,809,000 | 102,467,000 | 104,646,000 | 103,767,000 |
| Total loans | 72,645,000 | 73,720,000 | 73,875,000 | 74,196,000 |
| Allowance for loan losses | 896,000 | 906,000 | 963,000 | 928,000 |
| Securities available for sale | 19,688,000 | 20,526,000 | 21,012,000 | 22,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,055,000 | 90,389,000 | 91,658,000 | 91,941,000 |
| Interest-bearing deposits | 75,843,000 | 78,137,000 | 79,060,000 | 80,000,000 |
| Noninterest-bearing deposits | 11,212,000 | 12,252,000 | 12,598,000 | 11,941,000 |
| Equity capital | 11,189,000 | 11,799,000 | 12,379,000 | 11,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,660,000 | 5,485,000 | 7,283,000 |
| Interest expense | 681,000 | 1,340,000 | 1,993,000 | 2,631,000 |
| Net interest income | 1,158,000 | 2,320,000 | 3,492,000 | 4,652,000 |
| Noninterest income | 101,000 | 272,000 | 394,000 | 525,000 |
| Noninterest expense | 723,000 | 1,575,000 | 2,316,000 | 3,103,000 |
| Provision for loan losses | 95,000 | 185,000 | 270,000 | 355,000 |
| Pretax income | 452,000 | 845,000 | 1,320,000 | 1,778,000 |
| Income tax | 110,000 | 205,000 | 370,000 | 493,000 |
| Net income | 342,000 | 640,000 | 950,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,184,000 | 11,482,000 | 11,792,000 | 10,912,000 |
| Total capital | 12,040,000 | 12,365,000 | 12,668,000 | 11,772,000 |
| Risk-weighted assets | 70,047,000 | 70,638,000 | 69,992,000 | 70,799,000 |
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