Call reports 2008
FIRST CAROLINA BANK — 2008
What FIRST CAROLINA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,654,000 | 111,683,000 | 111,158,000 | 119,776,000 |
| Total loans | 93,184,000 | 91,055,000 | 88,895,000 | 97,811,000 |
| Allowance for loan losses | 1,200,000 | 1,100,000 | 1,300,000 | 1,312,000 |
| Securities available for sale | 3,476,000 | 3,603,000 | 3,675,000 | 2,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,181,000 | 82,749,000 | 83,048,000 | 88,686,000 |
| Interest-bearing deposits | 80,683,000 | 77,585,000 | 78,400,000 | 83,766,000 |
| Noninterest-bearing deposits | 7,498,000 | 5,164,000 | 4,648,000 | 4,920,000 |
| Equity capital | 12,362,000 | 12,273,000 | 12,044,000 | 13,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,214,000 | 4,627,000 | 5,908,000 |
| Interest expense | 1,030,000 | 1,895,000 | 2,699,000 | 3,505,000 |
| Net interest income | 702,000 | 1,319,000 | 1,928,000 | 2,403,000 |
| Noninterest income | 51,000 | 106,000 | 158,000 | 168,000 |
| Noninterest expense | 399,000 | 909,000 | 1,470,000 | 2,404,000 |
| Provision for loan losses | 168,000 | 168,000 | 551,000 | 801,000 |
| Pretax income | 186,000 | 348,000 | 65,000 | -634,000 |
| Income tax | 74,000 | 140,000 | 34,000 | -231,000 |
| Net income | 112,000 | 208,000 | 31,000 | -403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,382,000 | 8,340,000 | 8,168,000 | 9,760,000 |
| Total capital | 9,557,000 | 9,440,000 | 9,326,000 | 11,019,000 |
| Risk-weighted assets | 94,009,000 | 94,280,000 | 92,497,000 | 100,696,000 |
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