Call reports 2014
CAROLINA BANK — 2014
What CAROLINA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 657,089,000 | 669,530,000 | 668,709,000 | 679,799,000 |
| Total loans | 479,076,000 | 514,007,000 | 514,732,000 | 511,970,000 |
| Allowance for loan losses | 8,289,000 | 7,203,000 | 6,546,000 | 6,520,000 |
| Securities available for sale | 65,191,000 | 60,348,000 | 56,090,000 | 51,200,000 |
| Securities held to maturity | 16,574,000 | 16,269,000 | 15,928,000 | 15,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,122,000 | 578,230,000 | 587,162,000 | 595,976,000 |
| Interest-bearing deposits | 486,861,000 | 485,191,000 | 492,895,000 | 488,113,000 |
| Noninterest-bearing deposits | 89,261,000 | 93,039,000 | 94,267,000 | 107,863,000 |
| Equity capital | 59,857,000 | 60,629,000 | 61,309,000 | 62,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,374,000 | 12,826,000 | 19,520,000 | 26,441,000 |
| Interest expense | 760,000 | 1,513,000 | 2,258,000 | 2,978,000 |
| Net interest income | 5,614,000 | 11,313,000 | 17,262,000 | 23,463,000 |
| Noninterest income | 1,664,000 | 3,951,000 | 6,543,000 | 9,201,000 |
| Noninterest expense | 6,268,000 | 12,976,000 | 19,907,000 | 26,937,000 |
| Provision for loan losses | 770,000 | 1,116,000 | 1,386,000 | 1,436,000 |
| Pretax income | 289,000 | 1,315,000 | 2,769,000 | 4,565,000 |
| Income tax | -33,000 | 177,000 | 580,000 | 998,000 |
| Net income | 322,000 | 1,138,000 | 2,189,000 | 3,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,968,000 | 59,536,000 | 60,357,000 | 61,480,000 |
| Total capital | 73,052,000 | 73,866,000 | 74,343,000 | 73,580,000 |
| Risk-weighted assets | 529,822,000 | 550,894,000 | 546,413,000 | 538,193,000 |
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