Call reports 2003
PORT CITY CAPITAL BANK — 2003
What PORT CITY CAPITAL 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 | 44,975,000 | 51,487,000 | 58,396,000 | 75,299,000 |
| Total loans | 24,799,000 | 31,911,000 | 39,239,000 | 54,976,000 |
| Allowance for loan losses | 423,000 | 524,000 | 634,000 | 836,000 |
| Securities available for sale | 7,352,000 | 6,025,000 | 5,862,000 | 5,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,711,000 | 43,353,000 | 50,494,000 | 67,395,000 |
| Interest-bearing deposits | 31,103,000 | 37,640,000 | 41,950,000 | 57,317,000 |
| Noninterest-bearing deposits | 5,608,000 | 5,713,000 | 8,544,000 | 10,077,000 |
| Equity capital | 8,210,000 | 8,074,000 | 7,846,000 | 7,790,000 |
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 | 407,000 | 918,000 | 1,526,000 | 2,330,000 |
| Interest expense | 137,000 | 298,000 | 493,000 | 706,000 |
| Net interest income | 270,000 | 620,000 | 1,033,000 | 1,624,000 |
| Noninterest income | 4,000 | 9,000 | 19,000 | 29,000 |
| Noninterest expense | 370,000 | 773,000 | 1,183,000 | 1,675,000 |
| Provision for loan losses | 111,000 | 213,000 | 323,000 | 525,000 |
| Pretax income | -207,000 | -357,000 | -454,000 | -547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -207,000 | -357,000 | -454,000 | -547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,201,000 | 8,052,000 | 7,953,000 | 7,861,000 |
| Total capital | 8,572,000 | 8,512,000 | 8,508,000 | 8,591,000 |
| Risk-weighted assets | 29,569,000 | 36,763,000 | 44,368,000 | 58,255,000 |
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