Call reports 2008
CAROLINA BANK — 2008
What CAROLINA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 523,808,000 | 566,795,000 | 591,000,000 | 616,230,000 |
| Total loans | 416,121,000 | 456,841,000 | 477,673,000 | 501,424,000 |
| Allowance for loan losses | 4,700,000 | 5,102,000 | 5,454,000 | 5,760,000 |
| Securities available for sale | 55,630,000 | 55,183,000 | 51,915,000 | 55,877,000 |
| Securities held to maturity | 3,087,000 | 1,199,000 | 1,155,000 | 1,116,000 |
| Trading assets | 16,020,000 | 15,630,000 | 14,648,000 | 19,163,000 |
| Total deposits | 437,846,000 | 460,415,000 | 465,018,000 | 498,103,000 |
| Interest-bearing deposits | 408,068,000 | 429,931,000 | 436,791,000 | 468,141,000 |
| Noninterest-bearing deposits | 29,778,000 | 30,484,000 | 28,227,000 | 29,962,000 |
| Equity capital | 40,451,000 | 40,749,000 | 41,372,000 | 41,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,148,000 | 15,872,000 | 23,836,000 | 31,623,000 |
| Interest expense | 4,425,000 | 8,317,000 | 12,300,000 | 16,321,000 |
| Net interest income | 3,723,000 | 7,555,000 | 11,536,000 | 15,302,000 |
| Noninterest income | 858,000 | 2,052,000 | 3,087,000 | 4,382,000 |
| Noninterest expense | 3,080,000 | 6,638,000 | 10,054,000 | 13,959,000 |
| Provision for loan losses | 235,000 | 855,000 | 1,205,000 | 1,910,000 |
| Pretax income | 1,266,000 | 2,341,000 | 3,591,000 | 4,042,000 |
| Income tax | 450,000 | 810,000 | 1,263,000 | 1,403,000 |
| Net income | 816,000 | 1,531,000 | 2,328,000 | 2,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,177,000 | 40,901,000 | 41,632,000 | 41,898,000 |
| Total capital | 44,877,000 | 46,003,000 | 56,022,000 | 56,613,000 |
| Risk-weighted assets | 461,103,000 | 506,045,000 | 534,931,000 | 550,149,000 |
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