Call reports 2015
CAROLINA ALLIANCE BANK — 2015
What CAROLINA ALLIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 429,816,000 | 432,746,000 | 444,060,000 | 608,292,000 |
| Total loans | 338,999,000 | 340,993,000 | 350,324,000 | 473,918,000 |
| Allowance for loan losses | 4,078,000 | 4,334,000 | 4,391,000 | 4,679,000 |
| Securities available for sale | 58,774,000 | 63,445,000 | 71,163,000 | 90,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,127,000 | 355,981,000 | 360,650,000 | 496,766,000 |
| Interest-bearing deposits | 296,527,000 | 300,018,000 | 300,910,000 | 407,132,000 |
| Noninterest-bearing deposits | 53,600,000 | 55,963,000 | 59,740,000 | 89,634,000 |
| Equity capital | 53,014,000 | 52,902,000 | 53,645,000 | 71,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,347,000 | 8,688,000 | 13,236,000 | 19,534,000 |
| Interest expense | 293,000 | 590,000 | 891,000 | 1,410,000 |
| Net interest income | 4,054,000 | 8,098,000 | 12,345,000 | 18,124,000 |
| Noninterest income | 673,000 | 1,280,000 | 1,921,000 | 2,749,000 |
| Noninterest expense | 3,616,000 | 7,437,000 | 11,220,000 | 16,675,000 |
| Provision for loan losses | 230,000 | 459,000 | 685,000 | 910,000 |
| Pretax income | 881,000 | 1,474,000 | 2,329,000 | 3,269,000 |
| Income tax | 360,000 | 650,000 | 1,140,000 | 1,370,000 |
| Net income | 521,000 | 824,000 | 1,189,000 | 1,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,179,000 | 52,531,000 | 53,056,000 | 67,029,000 |
| Total capital | 56,282,000 | 56,889,000 | 57,472,000 | 71,733,000 |
| Risk-weighted assets | 415,486,000 | 423,011,000 | 434,087,000 | 523,537,000 |