Call reports 2013
CAROLINA ALLIANCE BANK — 2013
What CAROLINA ALLIANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 247,543,000 | 242,684,000 | 244,421,000 | 247,489,000 |
| Total loans | 171,517,000 | 169,623,000 | 178,230,000 | 182,846,000 |
| Allowance for loan losses | 3,330,000 | 3,590,000 | 3,521,000 | 3,515,000 |
| Securities available for sale | 45,841,000 | 45,373,000 | 45,100,000 | 44,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,154,000 | 200,048,000 | 202,556,000 | 203,598,000 |
| Interest-bearing deposits | 180,901,000 | 174,973,000 | 176,482,000 | 174,898,000 |
| Noninterest-bearing deposits | 24,253,000 | 25,075,000 | 26,074,000 | 28,700,000 |
| Equity capital | 31,992,000 | 31,865,000 | 31,671,000 | 31,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,778,000 | 7,162,000 | 9,623,000 |
| Interest expense | 231,000 | 446,000 | 642,000 | 821,000 |
| Net interest income | 2,177,000 | 4,332,000 | 6,520,000 | 8,802,000 |
| Noninterest income | 119,000 | 260,000 | 295,000 | 356,000 |
| Noninterest expense | 1,545,000 | 3,230,000 | 5,016,000 | 6,818,000 |
| Provision for loan losses | 270,000 | 400,000 | 475,000 | 475,000 |
| Pretax income | 488,000 | 969,000 | 1,331,000 | 1,872,000 |
| Income tax | 164,000 | 389,000 | 564,000 | 789,000 |
| Net income | 324,000 | 580,000 | 767,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,766,000 | 30,797,000 | 30,769,000 | 31,086,000 |
| Total capital | 33,109,000 | 33,110,000 | 33,194,000 | 33,586,000 |
| Risk-weighted assets | 186,394,000 | 183,744,000 | 192,911,000 | 198,998,000 |
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