Call reports 2005
CAROLINA FIRST BANK — 2005
What CAROLINA FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 9,701,858,000 | 9,619,556,000 | 9,456,601,000 | 9,021,558,000 |
| Total loans | 5,227,512,000 | 5,437,538,000 | 5,630,471,000 | 5,695,119,000 |
| Allowance for loan losses | 60,752,000 | 62,997,000 | 64,241,000 | 64,064,000 |
| Securities available for sale | 3,251,838,000 | 2,916,026,000 | 2,753,298,000 | 1,996,573,000 |
| Securities held to maturity | 69,475,000 | 64,945,000 | 63,246,000 | 62,318,000 |
| Trading assets | 19,000 | 19,000 | 1,402,000 | 1,402,000 |
| Total deposits | 5,018,550,000 | 5,347,366,000 | 5,514,152,000 | 5,626,956,000 |
| Interest-bearing deposits | 4,288,974,000 | 4,554,449,000 | 4,616,790,000 | 4,701,856,000 |
| Noninterest-bearing deposits | 729,576,000 | 792,917,000 | 897,362,000 | 925,100,000 |
| Equity capital | 754,916,000 | 773,639,000 | 768,186,000 | 752,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 114,473,000 | 236,221,000 | 362,969,000 | 494,956,000 |
| Interest expense | 47,722,000 | 103,458,000 | 172,259,000 | 241,450,000 |
| Net interest income | 66,751,000 | 132,763,000 | 190,710,000 | 253,506,000 |
| Noninterest income | 18,070,000 | 34,533,000 | 55,194,000 | 72,050,000 |
| Noninterest expense | 42,326,000 | 87,595,000 | 133,170,000 | 199,169,000 |
| Provision for loan losses | 9,248,000 | 17,410,000 | 24,005,000 | 30,611,000 |
| Pretax income | 33,209,000 | 60,504,000 | 86,841,000 | 51,390,000 |
| Income tax | 10,812,000 | 19,820,000 | 28,514,000 | 12,571,000 |
| Net income | 22,397,000 | 40,684,000 | 58,327,000 | 38,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 595,469,000 | 583,788,000 | 596,633,000 | 574,185,000 |
| Total capital | 753,140,000 | 743,704,000 | 757,793,000 | 736,412,000 |
| Risk-weighted assets | 6,825,147,000 | 6,972,517,000 | 7,157,894,000 | 6,843,021,000 |