Call reports 2003
BANK OF CHARLOTTE COUNTY, THE — 2003
What BANK OF CHARLOTTE COUNTY, THE 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 | 103,820,000 | 101,935,000 | 102,197,000 | 108,429,000 |
| Total loans | 75,925,000 | 75,866,000 | 76,389,000 | 77,851,000 |
| Allowance for loan losses | 996,000 | 1,043,000 | 959,000 | 977,000 |
| Securities available for sale | 20,599,000 | 19,378,000 | 16,348,000 | 18,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,466,000 | 89,130,000 | 89,133,000 | 95,958,000 |
| Interest-bearing deposits | 79,015,000 | 77,026,000 | 75,608,000 | 82,143,000 |
| Noninterest-bearing deposits | 12,451,000 | 12,104,000 | 13,525,000 | 13,815,000 |
| Equity capital | 11,788,000 | 12,434,000 | 12,548,000 | 12,210,000 |
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 | 1,766,000 | 3,522,000 | 5,210,000 | 6,914,000 |
| Interest expense | 578,000 | 1,104,000 | 1,597,000 | 2,095,000 |
| Net interest income | 1,188,000 | 2,418,000 | 3,613,000 | 4,819,000 |
| Noninterest income | 99,000 | 201,000 | 472,000 | 583,000 |
| Noninterest expense | 761,000 | 1,541,000 | 2,297,000 | 3,101,000 |
| Provision for loan losses | 105,000 | 200,000 | 265,000 | 330,000 |
| Pretax income | 521,000 | 1,005,000 | 1,709,000 | 2,154,000 |
| Income tax | 130,000 | 276,000 | 490,000 | 611,000 |
| Net income | 391,000 | 729,000 | 1,219,000 | 1,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,303,000 | 11,642,000 | 12,132,000 | 11,705,000 |
| Total capital | 12,191,000 | 12,539,000 | 13,040,000 | 12,648,000 |
| Risk-weighted assets | 70,956,000 | 71,578,000 | 72,565,000 | 75,363,000 |
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