Call reports 2015
CAROLINA BANK — 2015
What CAROLINA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 710,981,000 | 683,573,000 | 688,621,000 | 700,650,000 |
| Total loans | 531,507,000 | 531,897,000 | 516,651,000 | 505,387,000 |
| Allowance for loan losses | 6,954,000 | 5,795,000 | 7,567,000 | 5,872,000 |
| Securities available for sale | 49,404,000 | 48,198,000 | 49,598,000 | 47,360,000 |
| Securities held to maturity | 15,313,000 | 15,068,000 | 14,719,000 | 14,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,327,000 | 595,934,000 | 599,454,000 | 610,689,000 |
| Interest-bearing deposits | 494,455,000 | 480,110,000 | 475,124,000 | 482,137,000 |
| Noninterest-bearing deposits | 130,872,000 | 115,824,000 | 124,330,000 | 128,552,000 |
| Equity capital | 64,105,000 | 65,515,000 | 67,153,000 | 67,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,511,000 | 13,049,000 | 19,604,000 | 26,363,000 |
| Interest expense | 655,000 | 1,287,000 | 1,909,000 | 2,523,000 |
| Net interest income | 5,856,000 | 11,762,000 | 17,695,000 | 23,840,000 |
| Noninterest income | 3,458,000 | 7,530,000 | 11,225,000 | 13,604,000 |
| Noninterest expense | 6,701,000 | 13,659,000 | 20,671,000 | 27,707,000 |
| Provision for loan losses | 300,000 | 835,000 | 1,285,000 | 1,085,000 |
| Pretax income | 2,340,000 | 4,825,000 | 6,991,000 | 8,679,000 |
| Income tax | 652,000 | 1,387,000 | 2,050,000 | 2,642,000 |
| Net income | 1,688,000 | 3,438,000 | 4,941,000 | 6,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,764,000 | 64,517,000 | 66,022,000 | 67,199,000 |
| Total capital | 75,298,000 | 75,892,000 | 78,686,000 | 76,791,000 |
| Risk-weighted assets | 557,952,000 | 574,677,000 | 566,263,000 | 555,872,000 |