Call reports 2001
CAROLINA BANK — 2001
What CAROLINA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 122,530,000 | 125,340,000 | 147,356,000 | 151,445,000 |
| Total loans | 89,534,000 | 93,431,000 | 105,121,000 | 108,882,000 |
| Allowance for loan losses | 1,259,000 | 1,302,000 | 1,446,000 | 1,369,000 |
| Securities available for sale | 17,732,000 | 13,516,000 | 18,839,000 | 25,382,000 |
| Securities held to maturity | 926,000 | 267,000 | 257,000 | 2,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,909,000 | 107,603,000 | 122,859,000 | 124,685,000 |
| Interest-bearing deposits | 90,836,000 | 96,061,000 | 108,951,000 | 108,921,000 |
| Noninterest-bearing deposits | 12,073,000 | 11,542,000 | 13,908,000 | 15,764,000 |
| Equity capital | 12,422,000 | 12,615,000 | 12,819,000 | 12,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,277,000 | 4,513,000 | 6,800,000 | 9,023,000 |
| Interest expense | 1,404,000 | 2,712,000 | 3,994,000 | 5,224,000 |
| Net interest income | 873,000 | 1,801,000 | 2,806,000 | 3,799,000 |
| Noninterest income | 143,000 | 276,000 | 403,000 | 555,000 |
| Noninterest expense | 786,000 | 1,597,000 | 2,424,000 | 3,350,000 |
| Provision for loan losses | 72,000 | 125,000 | 279,000 | 391,000 |
| Pretax income | 158,000 | 410,000 | 561,000 | 741,000 |
| Income tax | 22,000 | 62,000 | 89,000 | 139,000 |
| Net income | 136,000 | 348,000 | 472,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,291,000 | 12,503,000 | 12,568,000 | 12,466,000 |
| Total capital | 13,494,000 | 13,698,000 | 13,960,000 | 13,835,000 |
| Risk-weighted assets | 96,173,000 | 95,468,000 | 111,431,000 | 114,437,000 |
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