Call reports 2014
CAROLINA TRUST BANK — 2014
What CAROLINA TRUST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 266,549,000 | 267,781,000 | 270,260,000 | 293,041,000 |
| Total loans | 221,887,000 | 222,529,000 | 227,933,000 | 244,646,000 |
| Allowance for loan losses | 4,165,000 | 4,143,000 | 4,165,000 | 4,002,000 |
| Securities available for sale | 24,766,000 | 24,686,000 | 24,881,000 | 25,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,646,000 | 230,841,000 | 231,600,000 | 237,176,000 |
| Interest-bearing deposits | 209,750,000 | 208,266,000 | 207,547,000 | 213,216,000 |
| Noninterest-bearing deposits | 20,896,000 | 22,575,000 | 24,053,000 | 23,960,000 |
| Equity capital | 23,068,000 | 23,969,000 | 24,650,000 | 29,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,187,000 | 6,456,000 | 9,748,000 | 13,042,000 |
| Interest expense | 481,000 | 966,000 | 1,453,000 | 1,951,000 |
| Net interest income | 2,706,000 | 5,490,000 | 8,295,000 | 11,091,000 |
| Noninterest income | 101,000 | 81,000 | 310,000 | 453,000 |
| Noninterest expense | 2,209,000 | 4,429,000 | 6,726,000 | 9,306,000 |
| Provision for loan losses | 45,000 | -80,000 | -80,000 | -80,000 |
| Pretax income | 553,000 | 1,222,000 | 1,959,000 | 2,318,000 |
| Income tax | 0 | 0 | 0 | -4,539,000 |
| Net income | 553,000 | 1,222,000 | 1,959,000 | 6,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,687,000 | 23,784,000 | 24,562,000 | 24,779,000 |
| Total capital | 25,537,000 | 26,629,000 | 27,492,000 | 27,959,000 |
| Risk-weighted assets | 226,630,000 | 226,248,000 | 233,168,000 | 253,582,000 |