Call reports 2008
CAROLINA COMMERCE BANK — 2008
What CAROLINA COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 93,209,000 | 86,615,000 | 102,514,000 | 104,090,000 |
| Total loans | 71,530,000 | 71,059,000 | 76,644,000 | 78,273,000 |
| Allowance for loan losses | 1,648,000 | 1,543,000 | 1,411,000 | 1,242,000 |
| Securities available for sale | 7,129,000 | 6,552,000 | 18,266,000 | 18,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,172,000 | 75,446,000 | 87,552,000 | 83,771,000 |
| Interest-bearing deposits | 74,654,000 | 69,953,000 | 83,146,000 | 79,977,000 |
| Noninterest-bearing deposits | 5,518,000 | 5,493,000 | 4,406,000 | 3,794,000 |
| Equity capital | 10,838,000 | 10,945,000 | 10,939,000 | 10,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,771,000 | 4,120,000 | 5,545,000 |
| Interest expense | 810,000 | 1,533,000 | 2,226,000 | 3,003,000 |
| Net interest income | 641,000 | 1,238,000 | 1,894,000 | 2,542,000 |
| Noninterest income | 56,000 | 110,000 | 136,000 | 161,000 |
| Noninterest expense | 794,000 | 1,552,000 | 2,356,000 | 3,235,000 |
| Provision for loan losses | 76,000 | -331,000 | -313,000 | 455,000 |
| Pretax income | -173,000 | 127,000 | -13,000 | -987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -173,000 | 127,000 | -13,000 | -987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,655,000 | 10,960,000 | 10,818,000 | 9,848,000 |
| Total capital | 11,612,000 | 11,889,000 | 11,829,000 | 10,866,000 |
| Risk-weighted assets | 75,901,000 | 73,713,000 | 80,499,000 | 81,214,000 |
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