Call reports 2009
FIRST CAROLINA BANK — 2009
What FIRST CAROLINA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,584,000 | 119,333,000 | 114,176,000 | 115,678,000 |
| Total loans | 96,579,000 | 95,231,000 | 94,093,000 | 90,855,000 |
| Allowance for loan losses | 1,259,000 | 1,553,000 | 1,710,000 | 1,554,000 |
| Securities available for sale | 2,682,000 | 1,831,000 | 2,028,000 | 1,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,937,000 | 89,810,000 | 88,054,000 | 90,107,000 |
| Interest-bearing deposits | 90,569,000 | 84,803,000 | 83,647,000 | 84,647,000 |
| Noninterest-bearing deposits | 4,368,000 | 5,007,000 | 4,407,000 | 5,460,000 |
| Equity capital | 13,175,000 | 12,906,000 | 12,734,000 | 11,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,527,000 | 3,741,000 | 4,919,000 |
| Interest expense | 695,000 | 1,265,000 | 1,766,000 | 2,237,000 |
| Net interest income | 550,000 | 1,262,000 | 1,975,000 | 2,682,000 |
| Noninterest income | 114,000 | 289,000 | 325,000 | 279,000 |
| Noninterest expense | 945,000 | 1,831,000 | 2,651,000 | 3,346,000 |
| Provision for loan losses | 200,000 | 513,000 | 908,000 | 1,623,000 |
| Pretax income | -481,000 | -793,000 | -1,259,000 | -2,008,000 |
| Income tax | -182,000 | -301,000 | -283,000 | -82,000 |
| Net income | -299,000 | -492,000 | -976,000 | -1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,467,000 | 9,274,000 | 8,791,000 | 7,840,000 |
| Total capital | 10,638,000 | 10,423,000 | 9,912,000 | 8,918,000 |
| Risk-weighted assets | 93,572,000 | 91,489,000 | 89,107,000 | 85,779,000 |
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