Call reports 2016
CAROLINA BANK — 2016
What CAROLINA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 705,469,000 | 706,638,000 | 708,844,000 | 705,858,000 |
| Total loans | 491,273,000 | 534,215,000 | 545,841,000 | 529,890,000 |
| Allowance for loan losses | 5,969,000 | 5,618,000 | 5,764,000 | 5,688,000 |
| Securities available for sale | 46,482,000 | 45,610,000 | 41,458,000 | 37,491,000 |
| Securities held to maturity | 14,600,000 | 14,370,000 | 14,031,000 | 13,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 604,475,000 | 602,431,000 | 604,502,000 | 601,607,000 |
| Interest-bearing deposits | 468,847,000 | 458,440,000 | 458,435,000 | 457,785,000 |
| Noninterest-bearing deposits | 135,628,000 | 143,991,000 | 146,067,000 | 143,822,000 |
| Equity capital | 69,425,000 | 71,355,000 | 72,937,000 | 73,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,491,000 | 13,223,000 | 19,818,000 | 26,502,000 |
| Interest expense | 656,000 | 1,294,000 | 1,917,000 | 2,519,000 |
| Net interest income | 5,835,000 | 11,929,000 | 17,901,000 | 23,983,000 |
| Noninterest income | 2,281,000 | 5,548,000 | 8,831,000 | 11,181,000 |
| Noninterest expense | 6,550,000 | 13,373,000 | 20,260,000 | 26,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,566,000 | 4,104,000 | 6,472,000 | 8,358,000 |
| Income tax | 375,000 | 1,102,000 | 1,744,000 | 2,284,000 |
| Net income | 1,191,000 | 3,002,000 | 4,728,000 | 6,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,391,000 | 70,202,000 | 71,927,000 | 73,300,000 |
| Total capital | 78,080,000 | 79,540,000 | 81,411,000 | 80,848,000 |
| Risk-weighted assets | 542,087,000 | 575,508,000 | 582,181,000 | 572,553,000 |