Call reports 2015
FIRST CAROLINA BANK — 2015
What FIRST CAROLINA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 115,351,000 | 133,519,000 | 148,773,000 | 156,928,000 |
| Total loans | 84,584,000 | 99,546,000 | 110,553,000 | 114,453,000 |
| Allowance for loan losses | 451,000 | 484,000 | 549,000 | 568,000 |
| Securities available for sale | 16,025,000 | 19,867,000 | 17,918,000 | 24,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,899,000 | 120,008,000 | 132,206,000 | 140,477,000 |
| Interest-bearing deposits | 92,578,000 | 108,466,000 | 121,662,000 | 128,423,000 |
| Noninterest-bearing deposits | 9,321,000 | 11,542,000 | 10,544,000 | 12,054,000 |
| Equity capital | 13,195,000 | 13,217,000 | 16,309,000 | 16,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,178,000 | 3,451,000 | 4,804,000 |
| Interest expense | 147,000 | 311,000 | 502,000 | 710,000 |
| Net interest income | 891,000 | 1,867,000 | 2,949,000 | 4,094,000 |
| Noninterest income | 57,000 | 114,000 | 207,000 | 275,000 |
| Noninterest expense | 888,000 | 1,812,000 | 2,713,000 | 3,738,000 |
| Provision for loan losses | 10,000 | 35,000 | 134,000 | 196,000 |
| Pretax income | 50,000 | 134,000 | 315,000 | 441,000 |
| Income tax | 0 | 0 | -2,956,000 | -2,811,000 |
| Net income | 50,000 | 134,000 | 3,271,000 | 3,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,122,000 | 11,212,000 | 11,400,000 | 11,530,000 |
| Total capital | 11,573,000 | 11,696,000 | 11,949,000 | 12,098,000 |
| Risk-weighted assets | 74,584,000 | 87,071,000 | 97,693,000 | 103,555,000 |