Call reports 2005
CAROLINA NATIONAL BANK AND TRUST COMPANY — 2005
What CAROLINA NATIONAL BANK AND TRUST COMPANY 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 | 117,226,000 | 135,336,000 | 151,022,000 | 164,686,000 |
| Total loans | 102,405,000 | 116,177,000 | 128,544,000 | 138,979,000 |
| Allowance for loan losses | 1,475,000 | 1,641,000 | 1,778,000 | 1,880,000 |
| Securities available for sale | 2,959,000 | 2,968,000 | 2,979,000 | 2,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,522,000 | 121,862,000 | 135,643,000 | 143,590,000 |
| Interest-bearing deposits | 92,455,000 | 107,786,000 | 121,634,000 | 122,718,000 |
| Noninterest-bearing deposits | 13,067,000 | 14,076,000 | 14,009,000 | 20,872,000 |
| Equity capital | 8,159,000 | 8,668,000 | 10,213,000 | 18,479,000 |
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 | 1,496,000 | 3,320,000 | 5,456,000 | 8,012,000 |
| Interest expense | 546,000 | 1,235,000 | 2,002,000 | 2,997,000 |
| Net interest income | 950,000 | 2,085,000 | 3,454,000 | 5,015,000 |
| Noninterest income | 79,000 | 163,000 | 271,000 | 374,000 |
| Noninterest expense | 835,000 | 1,734,000 | 2,715,000 | 3,891,000 |
| Provision for loan losses | 154,000 | 320,000 | 457,000 | 559,000 |
| Pretax income | 40,000 | 194,000 | 553,000 | 939,000 |
| Income tax | 14,000 | 66,000 | 187,000 | 318,000 |
| Net income | 26,000 | 128,000 | 366,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,593,000 | 7,146,000 | 8,816,000 | 17,192,000 |
| Total capital | 10,656,000 | 12,199,000 | 13,439,000 | 18,994,000 |
| Risk-weighted assets | 104,908,000 | 119,710,000 | 133,712,000 | 144,061,000 |