Call reports 2007
CAROLINA BANK — 2007
What CAROLINA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 438,267,000 | 441,641,000 | 468,002,000 | 499,734,000 |
| Total loans | 332,112,000 | 349,782,000 | 374,601,000 | 400,785,000 |
| Allowance for loan losses | 4,012,000 | 4,225,000 | 4,476,000 | 4,532,000 |
| Securities available for sale | 62,533,000 | 64,609,000 | 64,881,000 | 56,631,000 |
| Securities held to maturity | 3,544,000 | 3,396,000 | 3,264,000 | 3,134,000 |
| Trading assets | 0 | 0 | 0 | 11,869,000 |
| Total deposits | 393,987,000 | 389,096,000 | 410,042,000 | 418,718,000 |
| Interest-bearing deposits | 361,667,000 | 357,390,000 | 378,697,000 | 387,819,000 |
| Noninterest-bearing deposits | 32,320,000 | 31,706,000 | 31,345,000 | 30,899,000 |
| Equity capital | 34,815,000 | 35,269,000 | 37,701,000 | 39,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,604,000 | 15,808,000 | 24,243,000 | 32,743,000 |
| Interest expense | 4,147,000 | 8,485,000 | 13,119,000 | 17,821,000 |
| Net interest income | 3,457,000 | 7,323,000 | 11,124,000 | 14,922,000 |
| Noninterest income | 359,000 | 703,000 | 1,088,000 | 1,667,000 |
| Noninterest expense | 2,253,000 | 4,705,000 | 7,137,000 | 9,824,000 |
| Provision for loan losses | 255,000 | 470,000 | 742,000 | 1,162,000 |
| Pretax income | 1,308,000 | 2,851,000 | 4,333,000 | 5,603,000 |
| Income tax | 482,000 | 1,053,000 | 1,603,000 | 2,055,000 |
| Net income | 826,000 | 1,798,000 | 2,730,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,898,000 | 35,870,000 | 37,837,000 | 39,530,000 |
| Total capital | 38,910,000 | 40,095,000 | 42,313,000 | 44,062,000 |
| Risk-weighted assets | 370,397,000 | 385,635,000 | 403,676,000 | 440,545,000 |
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