Call reports 2003
CAROLINA COMMERCIAL BANK — 2003
What CAROLINA COMMERCIAL 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 | 34,517,000 | 36,951,000 | 35,966,000 | 35,645,000 |
| Total loans | 9,730,000 | 10,551,000 | 11,164,000 | 10,473,000 |
| Allowance for loan losses | 199,000 | 202,000 | 207,000 | 201,000 |
| Securities available for sale | 3,072,000 | 2,983,000 | 2,994,000 | 2,999,000 |
| Securities held to maturity | 17,681,000 | 19,761,000 | 19,470,000 | 19,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,984,000 | 32,312,000 | 31,331,000 | 31,109,000 |
| Interest-bearing deposits | 25,906,000 | 27,807,000 | 26,853,000 | 26,976,000 |
| Noninterest-bearing deposits | 4,078,000 | 4,505,000 | 4,478,000 | 4,133,000 |
| Equity capital | 4,401,000 | 4,472,000 | 4,466,000 | 4,368,000 |
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 | 358,000 | 724,000 | 1,083,000 | 1,436,000 |
| Interest expense | 104,000 | 204,000 | 296,000 | 380,000 |
| Net interest income | 254,000 | 520,000 | 787,000 | 1,056,000 |
| Noninterest income | 57,000 | 130,000 | 177,000 | 239,000 |
| Noninterest expense | 254,000 | 525,000 | 780,000 | 1,092,000 |
| Provision for loan losses | 4,000 | 5,000 | 9,000 | 12,000 |
| Pretax income | 53,000 | 133,000 | 188,000 | 204,000 |
| Income tax | 12,000 | 27,000 | 47,000 | 42,000 |
| Net income | 41,000 | 106,000 | 141,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,370,000 | 4,435,000 | 4,470,000 | 4,371,000 |
| Total capital | 4,556,000 | 4,633,000 | 4,672,000 | 4,566,000 |
| Risk-weighted assets | 14,890,000 | 15,863,000 | 16,182,000 | 15,582,000 |