Call reports 2025
FIRST CAROLINA BANK — 2025
What FIRST CAROLINA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,228,743,000 | 3,386,464,000 | 3,516,402,000 | 3,317,401,000 |
| Total loans | 2,649,799,000 | 2,696,875,000 | 2,695,350,000 | 2,648,174,000 |
| Allowance for loan losses | 21,694,000 | 21,760,000 | 23,492,000 | 20,893,000 |
| Securities available for sale | 113,811,000 | 284,608,000 | 310,833,000 | 312,090,000 |
| Securities held to maturity | 43,771,000 | 37,421,000 | 250,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,716,753,000 | 2,945,914,000 | 3,077,303,000 | 2,801,094,000 |
| Interest-bearing deposits | 2,027,776,000 | 2,332,380,000 | 2,248,457,000 | 2,238,493,000 |
| Noninterest-bearing deposits | 688,977,000 | 613,534,000 | 828,846,000 | 562,601,000 |
| Equity capital | 398,083,000 | 405,715,000 | 396,914,000 | 405,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 44,410,000 | 90,767,000 | 140,957,000 | 189,434,000 |
| Interest expense | 19,622,000 | 41,258,000 | 64,831,000 | 86,617,000 |
| Net interest income | 24,788,000 | 49,509,000 | 76,126,000 | 102,817,000 |
| Noninterest income | 9,660,000 | 22,821,000 | 33,990,000 | 41,366,000 |
| Noninterest expense | 26,993,000 | 57,649,000 | 89,692,000 | 117,241,000 |
| Provision for loan losses | 1,314,000 | 1,381,000 | 4,990,000 | 3,273,000 |
| Pretax income | 6,923,000 | 14,318,000 | 12,433,000 | 20,121,000 |
| Income tax | 1,119,000 | 2,685,000 | 1,669,000 | 3,353,000 |
| Net income | 5,804,000 | 11,633,000 | 10,764,000 | 16,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 317,634,000 | 325,125,000 | 318,643,000 | 324,960,000 |
| Total capital | 342,853,000 | 350,174,000 | 345,384,000 | 349,647,000 |
| Risk-weighted assets | 2,982,441,000 | 3,033,633,000 | 2,917,467,000 | 2,898,489,000 |