Call reports 2002
CAROLINA BANK — 2002
What CAROLINA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 151,551,000 | 167,493,000 | 170,857,000 | 189,801,000 |
| Total loans | 112,852,000 | 122,527,000 | 128,775,000 | 133,045,000 |
| Allowance for loan losses | 1,472,000 | 1,532,000 | 1,626,000 | 1,661,000 |
| Securities available for sale | 22,891,000 | 25,317,000 | 25,225,000 | 26,978,000 |
| Securities held to maturity | 1,952,000 | 1,777,000 | 2,514,000 | 3,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,424,000 | 142,336,000 | 145,568,000 | 157,721,000 |
| Interest-bearing deposits | 108,710,000 | 126,473,000 | 129,638,000 | 139,136,000 |
| Noninterest-bearing deposits | 15,713,000 | 15,864,000 | 15,930,000 | 18,585,000 |
| Equity capital | 12,517,000 | 12,927,000 | 13,205,000 | 18,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,154,000 | 4,383,000 | 6,698,000 | 9,072,000 |
| Interest expense | 1,046,000 | 1,979,000 | 2,986,000 | 3,961,000 |
| Net interest income | 1,108,000 | 2,404,000 | 3,712,000 | 5,111,000 |
| Noninterest income | 138,000 | 315,000 | 585,000 | 894,000 |
| Noninterest expense | 953,000 | 1,985,000 | 3,051,000 | 4,181,000 |
| Provision for loan losses | 105,000 | 320,000 | 495,000 | 685,000 |
| Pretax income | 188,000 | 414,000 | 771,000 | 1,159,000 |
| Income tax | 62,000 | 141,000 | 286,000 | 396,000 |
| Net income | 126,000 | 273,000 | 485,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,550,000 | 12,687,000 | 12,900,000 | 18,176,000 |
| Total capital | 14,018,000 | 14,218,000 | 14,526,000 | 19,837,000 |
| Risk-weighted assets | 117,456,000 | 127,410,000 | 133,260,000 | 141,967,000 |