Call reports 2009
CAROLINA BANK — 2009
What CAROLINA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 633,461,000 | 674,827,000 | 676,503,000 | 696,719,000 |
| Total loans | 514,202,000 | 532,954,000 | 530,790,000 | 530,606,000 |
| Allowance for loan losses | 6,749,000 | 7,560,000 | 7,038,000 | 10,081,000 |
| Securities available for sale | 48,010,000 | 51,056,000 | 50,233,000 | 48,790,000 |
| Securities held to maturity | 1,074,000 | 933,000 | 854,000 | 769,000 |
| Trading assets | 30,796,000 | 36,606,000 | 24,979,000 | 29,388,000 |
| Total deposits | 527,502,000 | 564,568,000 | 600,434,000 | 622,794,000 |
| Interest-bearing deposits | 498,928,000 | 532,405,000 | 563,998,000 | 582,290,000 |
| Noninterest-bearing deposits | 28,574,000 | 32,163,000 | 36,436,000 | 40,504,000 |
| Equity capital | 51,803,000 | 53,291,000 | 54,599,000 | 52,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,927,000 | 16,006,000 | 24,218,000 | 32,712,000 |
| Interest expense | 3,584,000 | 6,879,000 | 9,939,000 | 12,859,000 |
| Net interest income | 4,343,000 | 9,127,000 | 14,279,000 | 19,853,000 |
| Noninterest income | 2,166,000 | 5,409,000 | 7,817,000 | 9,637,000 |
| Noninterest expense | 4,174,000 | 9,136,000 | 14,568,000 | 18,793,000 |
| Provision for loan losses | 1,195,000 | 3,231,000 | 4,968,000 | 10,520,000 |
| Pretax income | 1,125,000 | 1,639,000 | 1,809,000 | -574,000 |
| Income tax | 405,000 | 530,000 | 495,000 | -393,000 |
| Net income | 720,000 | 1,109,000 | 1,314,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,627,000 | 53,025,000 | 53,239,000 | 51,752,000 |
| Total capital | 68,349,000 | 69,502,000 | 69,288,000 | 68,421,000 |
| Risk-weighted assets | 569,138,000 | 598,731,000 | 603,509,000 | 608,725,000 |
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