Call reports 2006
CAROLINA BANK — 2006
What CAROLINA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 377,197,000 | 387,523,000 | 398,760,000 | 410,185,000 |
| Total loans | 275,866,000 | 280,366,000 | 288,557,000 | 315,732,000 |
| Allowance for loan losses | 3,582,000 | 3,354,000 | 3,606,000 | 3,898,000 |
| Securities available for sale | 60,419,000 | 68,549,000 | 71,044,000 | 68,842,000 |
| Securities held to maturity | 3,923,000 | 3,857,000 | 3,754,000 | 3,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,838,000 | 333,512,000 | 349,194,000 | 361,591,000 |
| Interest-bearing deposits | 295,573,000 | 303,559,000 | 320,191,000 | 332,868,000 |
| Noninterest-bearing deposits | 28,265,000 | 29,953,000 | 29,003,000 | 28,723,000 |
| Equity capital | 30,861,000 | 31,460,000 | 32,911,000 | 33,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,963,000 | 12,494,000 | 19,497,000 | 26,739,000 |
| Interest expense | 2,958,000 | 6,262,000 | 9,950,000 | 13,925,000 |
| Net interest income | 3,005,000 | 6,232,000 | 9,547,000 | 12,814,000 |
| Noninterest income | 427,000 | 778,000 | 1,445,000 | 1,780,000 |
| Noninterest expense | 1,960,000 | 3,957,000 | 5,905,000 | 8,269,000 |
| Provision for loan losses | 370,000 | 655,000 | 886,000 | 1,196,000 |
| Pretax income | 1,102,000 | 2,398,000 | 4,201,000 | 5,129,000 |
| Income tax | 385,000 | 880,000 | 1,583,000 | 1,827,000 |
| Net income | 717,000 | 1,518,000 | 2,618,000 | 3,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,488,000 | 32,289,000 | 33,388,000 | 34,072,000 |
| Total capital | 35,070,000 | 35,643,000 | 36,994,000 | 37,970,000 |
| Risk-weighted assets | 309,737,000 | 333,088,000 | 327,966,000 | 349,317,000 |
Machine access — free, no API key
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