Call reports 2016
FIRST CAROLINA BANK — 2016
What FIRST CAROLINA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 162,440,000 | 168,991,000 | 180,203,000 | 205,958,000 |
| Total loans | 115,043,000 | 121,862,000 | 127,355,000 | 138,221,000 |
| Allowance for loan losses | 584,000 | 601,000 | 637,000 | 706,000 |
| Securities available for sale | 26,164,000 | 26,171,000 | 25,458,000 | 43,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,252,000 | 147,535,000 | 156,097,000 | 180,230,000 |
| Interest-bearing deposits | 131,262,000 | 133,436,000 | 135,224,000 | 154,008,000 |
| Noninterest-bearing deposits | 12,990,000 | 14,099,000 | 20,873,000 | 26,222,000 |
| Equity capital | 17,853,000 | 21,054,000 | 23,647,000 | 25,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,842,000 | 4,396,000 | 5,996,000 |
| Interest expense | 211,000 | 434,000 | 687,000 | 956,000 |
| Net interest income | 1,199,000 | 2,408,000 | 3,709,000 | 5,040,000 |
| Noninterest income | 57,000 | 110,000 | 162,000 | 296,000 |
| Noninterest expense | 1,106,000 | 2,193,000 | 3,254,000 | 4,308,000 |
| Provision for loan losses | 6,000 | 28,000 | 62,000 | 157,000 |
| Pretax income | 144,000 | 297,000 | 555,000 | 872,000 |
| Income tax | 57,000 | 111,000 | 211,000 | 319,000 |
| Net income | 87,000 | 186,000 | 344,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,111,000 | 16,208,000 | 18,736,000 | 20,818,000 |
| Total capital | 13,695,000 | 16,809,000 | 19,373,000 | 21,524,000 |
| Risk-weighted assets | 103,004,000 | 108,041,000 | 111,529,000 | 129,659,000 |