Call reports 2016
CAROLINA ALLIANCE BANK — 2016
What CAROLINA ALLIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 630,275,000 | 633,080,000 | 626,246,000 | 642,934,000 |
| Total loans | 475,524,000 | 475,289,000 | 475,590,000 | 495,184,000 |
| Allowance for loan losses | 4,745,000 | 4,784,000 | 4,791,000 | 4,955,000 |
| Securities available for sale | 94,491,000 | 96,399,000 | 97,494,000 | 97,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,166,000 | 527,689,000 | 517,987,000 | 528,094,000 |
| Interest-bearing deposits | 432,858,000 | 434,215,000 | 421,267,000 | 426,413,000 |
| Noninterest-bearing deposits | 91,308,000 | 93,474,000 | 96,720,000 | 101,681,000 |
| Equity capital | 68,410,000 | 70,090,000 | 71,077,000 | 70,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,215,000 | 12,443,000 | 18,769,000 | 24,811,000 |
| Interest expense | 602,000 | 1,250,000 | 1,900,000 | 2,548,000 |
| Net interest income | 5,613,000 | 11,193,000 | 16,869,000 | 22,263,000 |
| Noninterest income | 940,000 | 2,071,000 | 3,408,000 | 4,733,000 |
| Noninterest expense | 5,046,000 | 10,343,000 | 15,563,000 | 20,724,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 210,000 |
| Pretax income | 1,457,000 | 2,871,000 | 4,743,000 | 6,141,000 |
| Income tax | 531,000 | 985,000 | 1,621,000 | 1,987,000 |
| Net income | 926,000 | 1,886,000 | 3,122,000 | 4,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,779,000 | 63,722,000 | 65,439,000 | 66,543,000 |
| Total capital | 67,549,000 | 68,531,000 | 70,254,000 | 71,523,000 |
| Risk-weighted assets | 533,077,000 | 545,930,000 | 549,559,000 | 566,990,000 |