PackageTrendsPeer
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Bank of the Carolinas

Landis, NC · Cert 32366

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the Carolinas

Landis, NC · Cert 32366

FDIC

Q3 2001

$45.4MAssets
$40.5MLoans
$34.1MDeposits
$8.1MEquity
Deposit mix
99%Interest-bearing $33.8M1%Noninterest $0.2MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.20%, down 18 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 118.85% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.20%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.82%

Efficiency Ratio (YTD, annualized)

78.10%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.61%Q1 ’017.32%Q2 ’016.88%Q3 ’01-4%-6%

Non-interest income vs. expense

3.05%Q1 ’012.88%Q2 ’012.65%Q3 ’01-8%-8%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.22%0.31%0.34%0.38%0.41%0.41%-0.02%0.20%-18 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.11%2.99%2.82%n/a
Efficiency Ration/an/an/an/an/a82.56%79.92%78.10%n/a
Non-Interest Burdenn/an/an/an/an/a2.47%2.26%2.07%n/a
Growth
Asset Growth (YoY)1.96%-2.52%-0.79%3.35%8.76%22.49%24.60%34.56%+3,121 bps
Loan Growth (YoY)16.37%33.51%37.00%30.99%21.50%30.65%44.40%62.02%+3,103 bps
Deposit Growth (YoY)14.52%18.11%9.93%16.21%20.89%24.21%28.57%35.33%+1,912 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%0.00%0.00%n/a
Allowance / Loansn/an/an/an/an/a0.14%0.53%0.47%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a31.53%28.01%24.37%n/a
Equity / Assetsn/an/an/an/an/a20.95%19.48%17.87%n/a
Liquidity & Funding
Loans / Deposits94.95%100.52%101.84%99.28%95.43%105.73%114.38%118.85%+1,958 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%2.43%1.82%2.96%+296 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a