Call reports 2019
FIRST CAROLINA BANK — 2019
What FIRST CAROLINA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 520,988,000 | 554,556,000 | 593,187,000 | 658,230,000 |
| Total loans | 295,924,000 | 325,416,000 | 379,986,000 | 430,772,000 |
| Allowance for loan losses | 1,683,000 | 1,872,000 | 2,200,000 | 2,391,000 |
| Securities available for sale | 171,789,000 | 168,488,000 | 153,066,000 | 179,074,000 |
| Securities held to maturity | 22,908,000 | 22,524,000 | 22,060,000 | 21,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,050,000 | 491,012,000 | 512,743,000 | 545,536,000 |
| Interest-bearing deposits | 416,948,000 | 448,618,000 | 472,092,000 | 499,258,000 |
| Noninterest-bearing deposits | 43,102,000 | 42,394,000 | 40,651,000 | 46,278,000 |
| Equity capital | 59,791,000 | 62,433,000 | 64,047,000 | 91,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,578,000 | 11,820,000 | 18,493,000 | 25,623,000 |
| Interest expense | 2,074,000 | 4,451,000 | 6,957,000 | 9,494,000 |
| Net interest income | 3,504,000 | 7,369,000 | 11,536,000 | 16,129,000 |
| Noninterest income | 132,000 | 272,000 | 408,000 | 551,000 |
| Noninterest expense | 2,063,000 | 4,164,000 | 6,190,000 | 8,820,000 |
| Provision for loan losses | 211,000 | 392,000 | 712,000 | 896,000 |
| Pretax income | 1,362,000 | 3,195,000 | 5,252,000 | 7,341,000 |
| Income tax | 308,000 | 638,000 | 1,089,000 | 1,220,000 |
| Net income | 1,054,000 | 2,557,000 | 4,163,000 | 6,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,119,000 | 59,899,000 | 61,644,000 | 89,288,000 |
| Total capital | 60,802,000 | 61,771,000 | 63,844,000 | 91,679,000 |
| Risk-weighted assets | 345,931,000 | 385,557,000 | 436,663,000 | 503,689,000 |