Call reports 2005
CAROLINA BANK — 2005
What CAROLINA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 310,939,000 | 321,923,000 | 328,835,000 | 362,628,000 |
| Total loans | 225,793,000 | 232,180,000 | 239,295,000 | 262,609,000 |
| Allowance for loan losses | 3,076,000 | 3,196,000 | 2,944,000 | 3,210,000 |
| Securities available for sale | 44,501,000 | 48,805,000 | 56,859,000 | 60,591,000 |
| Securities held to maturity | 4,408,000 | 4,272,000 | 4,167,000 | 3,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,691,000 | 270,909,000 | 277,523,000 | 306,843,000 |
| Interest-bearing deposits | 235,981,000 | 244,294,000 | 249,465,000 | 279,155,000 |
| Noninterest-bearing deposits | 24,710,000 | 26,615,000 | 28,058,000 | 27,688,000 |
| Equity capital | 28,636,000 | 29,219,000 | 29,747,000 | 30,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,162,000 | 8,505,000 | 13,270,000 | 18,826,000 |
| Interest expense | 1,651,000 | 3,474,000 | 5,545,000 | 8,124,000 |
| Net interest income | 2,511,000 | 5,031,000 | 7,725,000 | 10,702,000 |
| Noninterest income | 308,000 | 624,000 | 904,000 | 1,230,000 |
| Noninterest expense | 1,610,000 | 3,220,000 | 4,988,000 | 6,938,000 |
| Provision for loan losses | 280,000 | 730,000 | 975,000 | 1,306,000 |
| Pretax income | 929,000 | 1,705,000 | 2,666,000 | 3,688,000 |
| Income tax | 315,000 | 584,000 | 967,000 | 1,333,000 |
| Net income | 614,000 | 1,121,000 | 1,699,000 | 2,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,983,000 | 29,490,000 | 30,069,000 | 30,770,000 |
| Total capital | 32,059,000 | 32,686,000 | 33,013,000 | 33,980,000 |
| Risk-weighted assets | 259,940,000 | 269,685,000 | 271,422,000 | 299,793,000 |