Call reports 2005
CAROLINA COMMERCIAL BANK — 2005
What CAROLINA COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,329,000 | 33,725,000 | 32,084,000 | 31,891,000 |
| Total loans | 9,820,000 | 9,028,000 | 8,677,000 | 8,417,000 |
| Allowance for loan losses | 210,000 | 183,000 | 196,000 | 217,000 |
| Securities available for sale | 2,927,000 | 1,942,000 | 1,941,000 | 1,915,000 |
| Securities held to maturity | 17,997,000 | 19,652,000 | 19,279,000 | 19,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,812,000 | 29,383,000 | 27,640,000 | 27,373,000 |
| Interest-bearing deposits | 25,902,000 | 24,976,000 | 23,159,000 | 22,804,000 |
| Noninterest-bearing deposits | 2,910,000 | 4,407,000 | 4,481,000 | 4,569,000 |
| Equity capital | 4,421,000 | 4,222,000 | 4,358,000 | 4,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 691,000 | 1,037,000 | 1,388,000 |
| Interest expense | 83,000 | 184,000 | 294,000 | 409,000 |
| Net interest income | 262,000 | 507,000 | 743,000 | 979,000 |
| Noninterest income | 46,000 | 96,000 | 140,000 | 176,000 |
| Noninterest expense | 234,000 | 466,000 | 610,000 | 779,000 |
| Provision for loan losses | 11,000 | 246,000 | 256,000 | 256,000 |
| Pretax income | 63,000 | -109,000 | 17,000 | 120,000 |
| Income tax | 14,000 | 26,000 | 16,000 | 24,000 |
| Net income | 49,000 | -135,000 | 1,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,260,000 | 4,320,000 | 4,371,000 |
| Total capital | 4,671,000 | 4,430,000 | 4,485,000 | 4,533,000 |
| Risk-weighted assets | 14,162,000 | 13,605,000 | 13,156,000 | 12,931,000 |