Call reports 2003
CAROLINA FIRST BANK — 2003
What CAROLINA FIRST 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 | 6,876,791,000 | 7,127,007,000 | 7,208,558,000 | 8,520,402,000 |
| Total loans | 3,391,224,000 | 3,499,484,000 | 3,565,912,000 | 4,337,476,000 |
| Allowance for loan losses | 51,354,000 | 49,360,000 | 47,834,000 | 56,934,000 |
| Securities available for sale | 2,649,358,000 | 2,810,349,000 | 2,772,943,000 | 3,174,930,000 |
| Securities held to maturity | 60,946,000 | 68,039,000 | 70,029,000 | 90,390,000 |
| Trading assets | 1,418,000 | 944,000 | 955,000 | 479,000 |
| Total deposits | 3,461,232,000 | 3,733,770,000 | 3,818,369,000 | 4,523,696,000 |
| Interest-bearing deposits | 2,910,723,000 | 3,132,927,000 | 3,213,297,000 | 3,849,157,000 |
| Noninterest-bearing deposits | 550,509,000 | 600,843,000 | 605,072,000 | 674,539,000 |
| Equity capital | 465,925,000 | 473,070,000 | 462,188,000 | 751,425,000 |
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 | 78,021,000 | 155,103,000 | 230,205,000 | 324,020,000 |
| Interest expense | 26,158,000 | 52,460,000 | 78,234,000 | 107,818,000 |
| Net interest income | 51,863,000 | 102,643,000 | 151,971,000 | 216,202,000 |
| Noninterest income | 14,351,000 | 30,199,000 | 47,702,000 | 63,223,000 |
| Noninterest expense | 34,340,000 | 69,445,000 | 108,429,000 | 149,247,000 |
| Provision for loan losses | 3,498,000 | 7,390,000 | 11,113,000 | 13,588,000 |
| Pretax income | 29,387,000 | 58,033,000 | 86,654,000 | 125,351,000 |
| Income tax | 9,583,000 | 18,701,000 | 27,199,000 | 38,810,000 |
| Net income | 19,804,000 | 39,332,000 | 59,455,000 | 86,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 341,552,000 | 346,492,000 | 353,906,000 | 548,763,000 |
| Total capital | 479,390,000 | 482,409,000 | 488,428,000 | 702,544,000 |
| Risk-weighted assets | 4,393,596,000 | 4,551,963,000 | 4,717,748,000 | 5,634,930,000 |