Call reports 2012
CAROLINA ALLIANCE BANK — 2012
What CAROLINA ALLIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 245,543,000 | 241,887,000 | 246,561,000 | 249,116,000 |
| Total loans | 169,210,000 | 174,374,000 | 172,955,000 | 175,367,000 |
| Allowance for loan losses | 3,871,000 | 3,616,000 | 3,492,000 | 3,082,000 |
| Securities available for sale | 46,806,000 | 49,009,000 | 48,405,000 | 46,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,605,000 | 201,355,000 | 206,730,000 | 209,443,000 |
| Interest-bearing deposits | 178,275,000 | 176,199,000 | 183,356,000 | 185,035,000 |
| Noninterest-bearing deposits | 25,330,000 | 25,156,000 | 23,374,000 | 24,408,000 |
| Equity capital | 30,401,000 | 30,909,000 | 31,448,000 | 31,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 5,028,000 | 7,537,000 | 10,011,000 |
| Interest expense | 348,000 | 669,000 | 966,000 | 1,213,000 |
| Net interest income | 2,184,000 | 4,359,000 | 6,571,000 | 8,798,000 |
| Noninterest income | 129,000 | 218,000 | 381,000 | 387,000 |
| Noninterest expense | 1,401,000 | 2,803,000 | 4,244,000 | 5,690,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 1,080,000 |
| Pretax income | 642,000 | 1,234,000 | 1,898,000 | 2,415,000 |
| Income tax | 252,000 | 477,000 | 718,000 | 862,000 |
| Net income | 390,000 | 757,000 | 1,180,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,977,000 | 29,475,000 | 30,065,000 | 30,464,000 |
| Total capital | 31,325,000 | 31,842,000 | 32,415,000 | 32,851,000 |
| Risk-weighted assets | 186,341,000 | 188,065,000 | 186,890,000 | 190,256,000 |
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