Call reports 2006
FIRST CAROLINA BANK — 2006
What FIRST CAROLINA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,849,000 | 81,695,000 | 86,921,000 | 93,843,000 |
| Total loans | 64,081,000 | 67,928,000 | 70,027,000 | 73,884,000 |
| Allowance for loan losses | 707,000 | 723,000 | 793,000 | 800,000 |
| Securities available for sale | 5,569,000 | 5,291,000 | 6,048,000 | 5,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,985,000 | 67,293,000 | 68,947,000 | 75,897,000 |
| Interest-bearing deposits | 66,040,000 | 60,461,000 | 62,903,000 | 69,336,000 |
| Noninterest-bearing deposits | 5,945,000 | 6,832,000 | 6,044,000 | 6,561,000 |
| Equity capital | 11,242,000 | 11,479,000 | 11,660,000 | 11,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,935,000 | 4,474,000 | 6,113,000 |
| Interest expense | 583,000 | 1,196,000 | 1,923,000 | 2,743,000 |
| Net interest income | 885,000 | 1,739,000 | 2,551,000 | 3,370,000 |
| Noninterest income | 45,000 | 106,000 | 147,000 | 228,000 |
| Noninterest expense | 554,000 | 1,052,000 | 1,569,000 | 2,153,000 |
| Provision for loan losses | 17,000 | 40,000 | 110,000 | 435,000 |
| Pretax income | 359,000 | 753,000 | 1,019,000 | 1,010,000 |
| Income tax | 140,000 | 296,000 | 398,000 | 373,000 |
| Net income | 219,000 | 457,000 | 621,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,063,000 | 7,326,000 | 7,445,000 | 7,465,000 |
| Total capital | 7,770,000 | 8,049,000 | 8,238,000 | 8,265,000 |
| Risk-weighted assets | 56,827,000 | 68,581,000 | 71,413,000 | 76,338,000 |
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