Call reports 2006
CAROLINA NATIONAL BANK AND TRUST COMPANY — 2006
What CAROLINA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 181,577,000 | 181,925,000 | 195,964,000 | 208,692,000 |
| Total loans | 153,526,000 | 164,982,000 | 175,982,000 | 194,616,000 |
| Allowance for loan losses | 2,030,000 | 2,128,000 | 2,217,000 | 2,432,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,228,000 | 158,782,000 | 172,081,000 | 183,983,000 |
| Interest-bearing deposits | 134,973,000 | 134,037,000 | 146,660,000 | 157,915,000 |
| Noninterest-bearing deposits | 24,255,000 | 24,745,000 | 25,422,000 | 26,069,000 |
| Equity capital | 20,404,000 | 21,013,000 | 21,552,000 | 21,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,855,000 | 6,104,000 | 9,654,000 | 13,534,000 |
| Interest expense | 1,066,000 | 2,325,000 | 3,816,000 | 5,542,000 |
| Net interest income | 1,789,000 | 3,779,000 | 5,838,000 | 7,992,000 |
| Noninterest income | 96,000 | 207,000 | 300,000 | 412,000 |
| Noninterest expense | 1,102,000 | 2,179,000 | 3,369,000 | 4,666,000 |
| Provision for loan losses | 150,000 | 251,000 | 340,000 | 603,000 |
| Pretax income | 633,000 | 1,556,000 | 2,429,000 | 3,135,000 |
| Income tax | 215,000 | 529,000 | 863,000 | 1,149,000 |
| Net income | 418,000 | 1,027,000 | 1,566,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,306,000 | 19,992,000 | 20,627,000 | 21,105,000 |
| Total capital | 21,304,000 | 22,094,000 | 22,844,000 | 23,526,000 |
| Risk-weighted assets | 159,822,000 | 168,139,000 | 179,391,000 | 193,722,000 |