Call reports 2010
CAROLINA BANK — 2010
What CAROLINA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 703,729,000 | 703,964,000 | 699,887,000 | 676,387,000 |
| Total loans | 534,045,000 | 533,486,000 | 519,177,000 | 514,029,000 |
| Allowance for loan losses | 10,697,000 | 10,270,000 | 11,629,000 | 12,359,000 |
| Securities available for sale | 47,187,000 | 44,361,000 | 40,113,000 | 42,104,000 |
| Securities held to maturity | 717,000 | 681,000 | 595,000 | 563,000 |
| Trading assets | 30,941,000 | 46,207,000 | 65,330,000 | 53,961,000 |
| Total deposits | 630,785,000 | 631,687,000 | 628,282,000 | 606,266,000 |
| Interest-bearing deposits | 593,054,000 | 589,001,000 | 584,225,000 | 562,110,000 |
| Noninterest-bearing deposits | 37,731,000 | 42,686,000 | 44,057,000 | 44,156,000 |
| Equity capital | 53,166,000 | 51,671,000 | 53,067,000 | 53,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,120,000 | 16,269,000 | 24,613,000 | 32,907,000 |
| Interest expense | 2,562,000 | 4,997,000 | 7,311,000 | 9,379,000 |
| Net interest income | 5,558,000 | 11,272,000 | 17,302,000 | 23,528,000 |
| Noninterest income | 1,496,000 | 3,073,000 | 6,216,000 | 9,490,000 |
| Noninterest expense | 4,743,000 | 10,007,000 | 15,864,000 | 22,596,000 |
| Provision for loan losses | 1,988,000 | 6,688,000 | 13,308,000 | 15,133,000 |
| Pretax income | 454,000 | -2,165,000 | -5,119,000 | -4,176,000 |
| Income tax | 111,000 | -993,000 | -2,193,000 | -1,981,000 |
| Net income | 343,000 | -1,172,000 | -2,926,000 | -2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,104,000 | 50,598,000 | 51,854,000 | 52,594,000 |
| Total capital | 68,770,000 | 67,094,000 | 68,419,000 | 69,066,000 |
| Risk-weighted assets | 606,396,000 | 591,506,000 | 594,112,000 | 584,482,000 |
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