Call reports 2007
FIRST CAROLINA BANK — 2007
What FIRST CAROLINA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,182,000 | 103,626,000 | 111,776,000 | 115,082,000 |
| Total loans | 73,922,000 | 83,026,000 | 91,876,000 | 94,047,000 |
| Allowance for loan losses | 822,000 | 935,000 | 1,052,000 | 1,157,000 |
| Securities available for sale | 4,082,000 | 3,965,000 | 3,986,000 | 2,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,903,000 | 85,064,000 | 85,082,000 | 85,759,000 |
| Interest-bearing deposits | 73,452,000 | 76,653,000 | 75,806,000 | 78,944,000 |
| Noninterest-bearing deposits | 8,451,000 | 8,411,000 | 9,276,000 | 6,815,000 |
| Equity capital | 11,745,000 | 11,737,000 | 12,152,000 | 12,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,417,000 | 5,371,000 | 7,364,000 |
| Interest expense | 874,000 | 1,776,000 | 2,800,000 | 3,866,000 |
| Net interest income | 805,000 | 1,641,000 | 2,571,000 | 3,498,000 |
| Noninterest income | 49,000 | 110,000 | 147,000 | 193,000 |
| Noninterest expense | 571,000 | 1,179,000 | 1,794,000 | 2,420,000 |
| Provision for loan losses | 24,000 | 137,000 | 252,000 | 373,000 |
| Pretax income | 259,000 | 435,000 | 672,000 | 898,000 |
| Income tax | 102,000 | 173,000 | 268,000 | 359,000 |
| Net income | 157,000 | 262,000 | 404,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,780,000 | 7,791,000 | 8,184,000 | 8,225,000 |
| Total capital | 8,602,000 | 8,726,000 | 9,236,000 | 9,382,000 |
| Risk-weighted assets | 76,483,000 | 84,336,000 | 92,283,000 | 95,548,000 |
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