Call reports 2012
FIRST CAROLINA BANK — 2012
What FIRST CAROLINA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 80,047,000 | 76,229,000 | 79,204,000 | 72,583,000 |
| Total loans | 54,272,000 | 51,315,000 | 43,109,000 | 47,205,000 |
| Allowance for loan losses | 3,945,000 | 3,643,000 | 0 | 54,000 |
| Securities available for sale | 6,122,000 | 2,555,000 | 261,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,235,000 | 65,222,000 | 59,608,000 | 61,626,000 |
| Interest-bearing deposits | 62,549,000 | 59,033,000 | 53,843,000 | 53,733,000 |
| Noninterest-bearing deposits | 5,686,000 | 6,189,000 | 5,765,000 | 7,893,000 |
| Equity capital | 1,711,000 | 1,094,000 | 10,907,000 | 10,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,391,000 | 537,000 | 1,381,000 |
| Interest expense | 226,000 | 448,000 | 126,000 | 177,000 |
| Net interest income | 504,000 | 943,000 | 411,000 | 1,204,000 |
| Noninterest income | 112,000 | -141,000 | 74,000 | 254,000 |
| Noninterest expense | 925,000 | 1,721,000 | 594,000 | 1,792,000 |
| Provision for loan losses | 11,000 | 12,000 | 0 | 54,000 |
| Pretax income | -320,000 | -931,000 | -109,000 | -388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -320,000 | -931,000 | -109,000 | -388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,693,000 | 1,082,000 | 8,270,000 | 7,968,000 |
| Total capital | 2,407,000 | 1,752,000 | 8,270,000 | 8,022,000 |
| Risk-weighted assets | 53,873,000 | 50,664,000 | 43,239,000 | 48,645,000 |