Call reports 2005
CAROLINA TRUST BANK — 2005
What CAROLINA TRUST 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 | 91,729,000 | 96,135,000 | 101,714,000 | 102,924,000 |
| Total loans | 79,343,000 | 87,093,000 | 89,552,000 | 93,752,000 |
| Allowance for loan losses | 982,000 | 1,082,000 | 1,117,000 | 1,170,000 |
| Securities available for sale | 4,301,000 | 4,084,000 | 3,750,000 | 3,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,231,000 | 78,304,000 | 82,333,000 | 81,992,000 |
| Interest-bearing deposits | 67,999,000 | 69,140,000 | 71,942,000 | 72,902,000 |
| Noninterest-bearing deposits | 8,232,000 | 9,164,000 | 10,391,000 | 9,090,000 |
| Equity capital | 12,088,000 | 12,390,000 | 12,841,000 | 13,428,000 |
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 | 1,405,000 | 2,992,000 | 4,762,000 | 6,723,000 |
| Interest expense | 411,000 | 891,000 | 1,459,000 | 2,078,000 |
| Net interest income | 994,000 | 2,101,000 | 3,303,000 | 4,645,000 |
| Noninterest income | 120,000 | 264,000 | 428,000 | 583,000 |
| Noninterest expense | 857,000 | 1,716,000 | 2,584,000 | 3,461,000 |
| Provision for loan losses | 132,000 | 234,000 | 281,000 | 358,000 |
| Pretax income | 125,000 | 415,000 | 866,000 | 1,409,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 125,000 | 415,000 | 866,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,894,000 | 12,183,000 | 12,635,000 | 13,244,000 |
| Total capital | 12,854,000 | 13,226,000 | 13,716,000 | 14,367,000 |
| Risk-weighted assets | 76,793,000 | 83,407,000 | 86,453,000 | 89,776,000 |