Call reports 2012
CAROLINA BANK — 2012
What CAROLINA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 667,654,000 | 677,138,000 | 675,512,000 | 691,779,000 |
| Total loans | 562,385,000 | 516,852,000 | 555,034,000 | 593,491,000 |
| Allowance for loan losses | 12,491,000 | 11,112,000 | 10,725,000 | 9,944,000 |
| Securities available for sale | 44,929,000 | 44,871,000 | 45,196,000 | 42,036,000 |
| Securities held to maturity | 369,000 | 312,000 | 226,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 589,582,000 | 592,344,000 | 588,890,000 | 591,290,000 |
| Interest-bearing deposits | 531,987,000 | 532,514,000 | 525,855,000 | 517,905,000 |
| Noninterest-bearing deposits | 57,595,000 | 59,830,000 | 63,035,000 | 73,385,000 |
| Equity capital | 58,034,000 | 60,517,000 | 62,525,000 | 64,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,506,000 | 14,825,000 | 21,911,000 | 29,385,000 |
| Interest expense | 1,392,000 | 2,710,000 | 3,885,000 | 4,949,000 |
| Net interest income | 6,114,000 | 12,115,000 | 18,026,000 | 24,436,000 |
| Noninterest income | 3,507,000 | 8,167,000 | 13,242,000 | 18,995,000 |
| Noninterest expense | 6,377,000 | 13,503,000 | 21,071,000 | 29,514,000 |
| Provision for loan losses | 1,460,000 | 1,460,000 | 2,060,000 | 2,360,000 |
| Pretax income | 1,784,000 | 5,319,000 | 8,137,000 | 11,594,000 |
| Income tax | 499,000 | 1,692,000 | 2,633,000 | 3,854,000 |
| Net income | 1,285,000 | 3,627,000 | 5,504,000 | 7,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,306,000 | 58,880,000 | 60,766,000 | 63,011,000 |
| Total capital | 71,539,000 | 74,770,000 | 76,867,000 | 79,291,000 |
| Risk-weighted assets | 557,449,000 | 529,477,000 | 545,406,000 | 559,268,000 |