bank holding company · RSSD 2507790 · SC
How big is CAROLINA FINANCIAL CORPORATION?
CAROLINA FINANCIAL CORPORATION (SC, RSSD 2507790) reported consolidated total assets of $4.8B, deposits of $3.6B and a Tier 1 risk-based capital ratio of 16.45% in its FR Y-9C for 2020Q1. That ranks 225 of 353 bank holding companies by assets, 89 of 204 among bank holding companies with $1b-$10b in assets, 1 of 2 bank holding companies in south carolina.
What stands out
CAROLINA FINANCIAL CORPORATION (SC, RSSD 2507790) reported consolidated total assets of $4.8B, deposits of $3.6B and a Tier 1 risk-based capital ratio of 16.45% in its FR Y-9C for 2020Q1. That ranks 225 of 353 bank holding companies by assets, 89 of 204 among bank holding companies with $1b-$10b in assets, 1 of 2 bank holding companies in south carolina. Against its size class: tier 1 risk-based capital ratio 16.45%, above the peer median of 12.71%; tier 1 leverage ratio 13.00%, above the peer median of 10.27%; return on assets 1.12%, above the peer median of 0.80%. At 16.45% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 13.00% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2020Q1; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2020Q1
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2020Q1 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $4.8B | $4.1B | — | $6.7B | record → |
| Total deposits | $3.6B | $3.4B | — | $5.0B | record → |
| Loans and leases | $3.2B | $2.9B | — | $4.6B | record → |
| Net income (year to date) | $13.4M | $7.1M | — | $9.7M | record → |
| Total equity capital | $740.9M | $485.6M | — | $782.3M | record → |
| Equity to assets | 15.43% | 10.96% | — | 11.14% | computed |
| Tier 1 risk-based capital ratio | 16.45% | 12.71% | — | 12.37% | record → |
| Total risk-based capital ratio | 17.30% | 14.14% | — | 14.03% | record → |
| Tier 1 leverage ratio | 13.00% | 10.27% | — | 9.94% | record → |
| Return on assets | 1.12% | 0.80% | — | 0.70% | computed |
Quarter by quarter
73 reports on record, 2002Q1–2020Q1; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2020Q1 | $4.8B | $3.6B | $3.2B | $13.4M | $740.9M | 16.45% | 225 |
| 2019Q4 | $4.7B | $3.4B | $3.3B | $62.7M | $743.4M | 15.99% | 222 |
| 2019Q3 | $4.0B | $2.9B | $2.8B | $46.2M | $621.6M | 17.04% | 243 |
| 2019Q2 | $3.9B | $2.8B | $2.7B | $29.6M | $605.6M | 16.27% | 246 |
| 2019Q1 | $3.8B | $2.8B | $2.6B | $14.5M | $589.1M | 16.08% | 244 |
| 2018Q4 | $3.8B | $2.7B | $2.5B | $49.7M | $575.3M | 16.29% | 248 |
| 2018Q3 | $3.7B | $2.8B | $2.5B | $34.2M | $564.0M | 16.32% | 244 |
| 2018Q2 | $3.7B | $2.7B | $2.5B | $19.0M | $551.8M | 15.90% | 243 |
| 2018Q1 | $3.6B | $2.7B | $2.4B | $4.1M | $475.0M | 13.30% | 244 |
| 2017Q4 | $3.5B | $2.6B | $2.4B | $28.6M | $475.4M | 13.59% | 245 |
| 2017Q3 | $2.3B | $1.7B | $1.5B | $22.2M | $290.2M | 16.32% | 332 |
| 2017Q2 | $2.2B | $1.7B | $1.5B | $14.2M | $281.8M | 16.32% | 336 |
| 2017Q1 | $2.2B | $1.6B | $1.4B | $4.9M | $271.5M | 16.12% | 335 |
| 2016Q4 | $1.7B | $1.3B | $1.2B | $17.6M | $163.2M | 14.09% | 406 |
| 2016Q3 | $1.7B | $1.3B | $1.2B | $12.4M | $160.3M | 14.26% | 405 |
| 2016Q2 | $1.6B | $1.3B | $1.1B | $6.5M | $155.0M | 14.37% | 411 |
| 2016Q1 | $1.5B | $1.1B | $996.1M | $3.6M | $142.4M | 15.36% | 448 |
| 2015Q4 | $1.4B | $1.0B | $964.8M | $14.4M | $139.9M | 15.58% | 449 |
| 2015Q3 | $1.3B | $1.0B | $888.8M | $10.8M | $104.2M | 12.31% | 463 |
| 2015Q2 | $1.3B | $1.0B | $902.1M | $6.9M | $100.3M | 11.96% | 462 |
| 2015Q1 | $1.3B | $993.6M | $856.1M | $3.0M | $97.6M | 11.95% | 470 |
| 2014Q4 | $1.2B | $968.1M | $818.5M | $8.3M | $93.7M | 12.03% | 497 |
| 2014Q3 | $1.0B | $786.9M | $695.9M | $6.6M | $91.8M | 14.46% | 567 |
| 2014Q2 | $989.3M | $782.8M | $662.1M | $4.2M | $89.3M | 14.80% | 584 |
| 2014Q1 | $918.9M | $748.0M | $611.9M | $1.9M | $85.6M | 15.16% | 633 |
| 2013Q4 | $881.8M | $700.6M | $580.4M | $16.8M | $82.2M | 15.45% | 647 |
| 2013Q3 | $896.0M | $715.4M | $568.0M | $12.8M | $78.2M | 15.17% | 635 |
| 2013Q2 | $878.8M | $694.9M | $605.0M | $10.0M | $74.8M | 14.63% | 643 |
| 2013Q1 | $857.5M | $666.0M | $608.6M | $4.4M | $71.9M | 14.33% | 667 |
| 2012Q4 | $889.0M | $656.9M | $656.3M | $16.9M | $67.5M | 13.11% | 641 |
| 2012Q3 | $841.5M | $635.4M | $623.9M | $9.1M | $59.5M | 12.32% | 660 |
| 2012Q2 | $826.9M | $639.4M | $613.6M | $3.7M | $51.3M | 11.23% | 677 |
| 2012Q1 | $822.5M | $647.5M | $592.2M | $2.1M | $49.0M | 11.17% | 676 |
| 2011Q4 | $826.5M | $626.8M | $605.6M | $-971.0k | $45.7M | 10.48% | 578 |
| 2011Q3 | $844.3M | $632.7M | $600.6M | $12.0k | $47.0M | 10.41% | 557 |
| 2011Q2 | $860.0M | $658.0M | $603.8M | $228.0k | $47.9M | 10.20% | 548 |
| 2011Q1 | $876.7M | $674.6M | $609.8M | $707.0k | $48.3M | 10.00% | 543 |
| 2010Q4 | $931.1M | $693.4M | $681.2M | $-12.6M | $46.5M | 9.28% | 513 |
| 2010Q3 | $991.9M | $738.0M | $684.1M | $-6.4M | $50.3M | 9.73% | 476 |
| 2010Q2 | $1.1B | $768.4M | $722.0M | $-3.9M | $51.9M | 9.74% | 451 |
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