Call reports 2007
CAROLINA NATIONAL BANK AND TRUST COMPANY — 2007
What CAROLINA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 218,608,000 | 225,590,000 | 227,911,000 | 220,549,000 |
| Total loans | 195,882,000 | 202,881,000 | 204,473,000 | 206,216,000 |
| Allowance for loan losses | 2,395,000 | 2,475,000 | 2,593,000 | 2,481,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,609,000 | 194,963,000 | 196,959,000 | 187,561,000 |
| Interest-bearing deposits | 168,919,000 | 175,455,000 | 175,684,000 | 171,394,000 |
| Noninterest-bearing deposits | 19,690,000 | 19,508,000 | 21,275,000 | 16,167,000 |
| Equity capital | 28,540,000 | 29,005,000 | 29,283,000 | 29,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,955,000 | 8,076,000 | 12,302,000 | 16,392,000 |
| Interest expense | 1,810,000 | 3,789,000 | 5,897,000 | 8,036,000 |
| Net interest income | 2,145,000 | 4,287,000 | 6,405,000 | 8,356,000 |
| Noninterest income | 103,000 | 183,000 | 284,000 | 386,000 |
| Noninterest expense | 1,352,000 | 2,746,000 | 4,409,000 | 5,924,000 |
| Provision for loan losses | 0 | 94,000 | 212,000 | 212,000 |
| Pretax income | 896,000 | 1,630,000 | 2,068,000 | 2,606,000 |
| Income tax | 328,000 | 597,000 | 757,000 | 953,000 |
| Net income | 568,000 | 1,033,000 | 1,311,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,037,000 | 28,634,000 | 28,869,000 | 28,875,000 |
| Total capital | 30,432,000 | 31,109,000 | 31,462,000 | 31,356,000 |
| Risk-weighted assets | 201,151,000 | 207,955,000 | 210,010,000 | 211,932,000 |