Call reports 2015
CAROLINA TRUST BANK — 2015
What CAROLINA TRUST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 305,545,000 | 333,414,000 | 332,359,000 | 334,049,000 |
| Total loans | 257,919,000 | 278,305,000 | 286,469,000 | 292,363,000 |
| Allowance for loan losses | 3,954,000 | 3,886,000 | 3,825,000 | 3,723,000 |
| Securities available for sale | 25,200,000 | 23,955,000 | 23,560,000 | 22,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,711,000 | 276,183,000 | 285,385,000 | 284,794,000 |
| Interest-bearing deposits | 233,558,000 | 246,282,000 | 250,294,000 | 252,231,000 |
| Noninterest-bearing deposits | 26,152,000 | 29,901,000 | 35,091,000 | 32,562,000 |
| Equity capital | 30,189,000 | 30,111,000 | 30,548,000 | 30,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,411,000 | 7,058,000 | 10,949,000 | 14,905,000 |
| Interest expense | 535,000 | 1,111,000 | 1,710,000 | 2,311,000 |
| Net interest income | 2,876,000 | 5,947,000 | 9,239,000 | 12,594,000 |
| Noninterest income | 168,000 | 430,000 | 687,000 | 721,000 |
| Noninterest expense | 2,744,000 | 5,460,000 | 8,281,000 | 11,363,000 |
| Provision for loan losses | 0 | 0 | -170,000 | -270,000 |
| Pretax income | 300,000 | 917,000 | 1,815,000 | 2,222,000 |
| Income tax | 125,000 | 381,000 | 848,000 | 1,164,000 |
| Net income | 175,000 | 536,000 | 967,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,077,000 | 25,886,000 | 26,692,000 | 28,344,000 |
| Total capital | 28,567,000 | 29,640,000 | 30,536,000 | 32,086,000 |
| Risk-weighted assets | 278,679,000 | 300,131,000 | 305,313,000 | 311,503,000 |