Call reports 2004
CAROLINA FIRST BANK — 2004
What CAROLINA FIRST 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 | 8,642,970,000 | 8,953,637,000 | 9,156,616,000 | 9,234,139,000 |
| Total loans | 4,484,252,000 | 4,688,504,000 | 4,929,375,000 | 5,021,721,000 |
| Allowance for loan losses | 58,134,000 | 58,716,000 | 59,013,000 | 60,243,000 |
| Securities available for sale | 2,978,230,000 | 3,086,072,000 | 3,144,422,000 | 3,103,607,000 |
| Securities held to maturity | 83,942,000 | 79,195,000 | 75,317,000 | 74,914,000 |
| Trading assets | 1,462,000 | 2,718,000 | 0 | 0 |
| Total deposits | 4,482,036,000 | 4,823,096,000 | 4,732,204,000 | 4,665,232,000 |
| Interest-bearing deposits | 3,795,378,000 | 4,097,600,000 | 4,003,616,000 | 3,929,750,000 |
| Noninterest-bearing deposits | 686,658,000 | 725,496,000 | 728,588,000 | 735,482,000 |
| Equity capital | 792,297,000 | 773,094,000 | 775,292,000 | 764,754,000 |
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 | 92,997,000 | 186,440,000 | 289,481,000 | 395,990,000 |
| Interest expense | 28,771,000 | 60,033,000 | 96,492,000 | 134,802,000 |
| Net interest income | 64,226,000 | 126,407,000 | 192,989,000 | 261,188,000 |
| Noninterest income | 16,902,000 | 37,054,000 | 53,048,000 | 70,155,000 |
| Noninterest expense | 41,574,000 | 80,649,000 | 122,029,000 | 162,827,000 |
| Provision for loan losses | 6,127,000 | 11,243,000 | 19,817,000 | 27,591,000 |
| Pretax income | 38,646,000 | 77,194,000 | 109,538,000 | 146,271,000 |
| Income tax | 11,675,000 | 24,493,000 | 34,220,000 | 45,704,000 |
| Net income | 26,971,000 | 52,701,000 | 75,318,000 | 100,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 576,301,000 | 602,709,000 | 573,928,000 | 572,654,000 |
| Total capital | 731,354,000 | 758,344,000 | 729,860,000 | 729,816,000 |
| Risk-weighted assets | 5,825,472,000 | 6,041,874,000 | 6,265,721,000 | 6,443,595,000 |