Call reports 2004
CAROLINA COMMERCIAL BANK — 2004
What CAROLINA COMMERCIAL 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 | 37,602,000 | 35,875,000 | 36,189,000 | 34,736,000 |
| Total loans | 9,568,000 | 9,745,000 | 10,258,000 | 9,934,000 |
| Allowance for loan losses | 204,000 | 204,000 | 204,000 | 207,000 |
| Securities available for sale | 3,031,000 | 2,927,000 | 2,987,000 | 2,973,000 |
| Securities held to maturity | 17,654,000 | 21,036,000 | 18,620,000 | 18,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,075,000 | 31,310,000 | 31,499,000 | 30,156,000 |
| Interest-bearing deposits | 28,559,000 | 27,050,000 | 27,280,000 | 24,962,000 |
| Noninterest-bearing deposits | 4,516,000 | 4,260,000 | 4,219,000 | 5,194,000 |
| Equity capital | 4,430,000 | 4,433,000 | 4,527,000 | 4,416,000 |
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 | 328,000 | 663,000 | 992,000 | 1,333,000 |
| Interest expense | 78,000 | 154,000 | 226,000 | 301,000 |
| Net interest income | 250,000 | 509,000 | 766,000 | 1,032,000 |
| Noninterest income | 54,000 | 118,000 | 181,000 | 267,000 |
| Noninterest expense | 242,000 | 485,000 | 734,000 | 1,049,000 |
| Provision for loan losses | 3,000 | 3,000 | 10,000 | 31,000 |
| Pretax income | 59,000 | 139,000 | 203,000 | 219,000 |
| Income tax | 17,000 | 27,000 | 36,000 | 25,000 |
| Net income | 42,000 | 112,000 | 167,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,413,000 | 4,483,000 | 4,516,000 | 4,445,000 |
| Total capital | 4,603,000 | 4,668,000 | 4,704,000 | 4,626,000 |
| Risk-weighted assets | 15,217,000 | 14,746,000 | 15,059,000 | 14,489,000 |