Call reports 2005
FIRST CAROLINA BANK — 2005
What FIRST CAROLINA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 69,941,000 | 78,720,000 | 77,968,000 | 83,345,000 |
| Total loans | 54,417,000 | 60,755,000 | 62,842,000 | 68,235,000 |
| Allowance for loan losses | 554,000 | 614,000 | 632,000 | 690,000 |
| Securities available for sale | 6,456,000 | 5,086,000 | 5,502,000 | 5,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,041,000 | 67,662,000 | 65,894,000 | 68,574,000 |
| Interest-bearing deposits | 53,713,000 | 61,127,000 | 59,806,000 | 63,086,000 |
| Noninterest-bearing deposits | 5,328,000 | 6,535,000 | 6,088,000 | 5,488,000 |
| Equity capital | 10,656,000 | 10,798,000 | 11,010,000 | 11,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,964,000 | 3,150,000 | 4,485,000 |
| Interest expense | 295,000 | 651,000 | 1,070,000 | 1,552,000 |
| Net interest income | 617,000 | 1,313,000 | 2,080,000 | 2,933,000 |
| Noninterest income | 35,000 | 86,000 | 141,000 | 181,000 |
| Noninterest expense | 454,000 | 971,000 | 1,457,000 | 2,222,000 |
| Provision for loan losses | 29,000 | 89,000 | 107,000 | 165,000 |
| Pretax income | 170,000 | 341,000 | 659,000 | 728,000 |
| Income tax | 51,000 | 103,000 | 205,000 | 250,000 |
| Net income | 119,000 | 238,000 | 454,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,379,000 | 6,568,000 | 6,889,000 | 6,928,000 |
| Total capital | 6,933,000 | 7,182,000 | 7,521,000 | 7,618,000 |
| Risk-weighted assets | 49,613,000 | 55,045,000 | 57,401,000 | 62,699,000 |
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