Call reports 2002
CAROLINA BANK & TRUST COMPANY — 2002
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 215,002,000 | 213,573,000 | 219,963,000 | 223,497,000 |
| Total loans | 149,958,000 | 160,589,000 | 164,664,000 | 168,806,000 |
| Allowance for loan losses | 1,507,000 | 1,590,000 | 1,672,000 | 1,720,000 |
| Securities available for sale | 13,542,000 | 17,221,000 | 17,184,000 | 11,701,000 |
| Securities held to maturity | 565,000 | 565,000 | 554,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,293,000 | 190,453,000 | 196,008,000 | 199,452,000 |
| Interest-bearing deposits | 151,332,000 | 151,358,000 | 157,400,000 | 162,942,000 |
| Noninterest-bearing deposits | 40,961,000 | 39,095,000 | 38,608,000 | 36,510,000 |
| Equity capital | 21,287,000 | 22,060,000 | 22,746,000 | 23,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,160,000 | 6,486,000 | 9,913,000 | 13,301,000 |
| Interest expense | 827,000 | 1,583,000 | 2,371,000 | 3,110,000 |
| Net interest income | 2,333,000 | 4,903,000 | 7,542,000 | 10,191,000 |
| Noninterest income | 840,000 | 1,728,000 | 2,615,000 | 3,626,000 |
| Noninterest expense | 2,272,000 | 4,657,000 | 7,079,000 | 9,916,000 |
| Provision for loan losses | 90,000 | 180,000 | 280,000 | 450,000 |
| Pretax income | 811,000 | 1,794,000 | 2,798,000 | 3,451,000 |
| Income tax | 273,000 | 635,000 | 993,000 | 1,231,000 |
| Net income | 538,000 | 1,159,000 | 1,805,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,337,000 | 21,957,000 | 22,603,000 | 23,018,000 |
| Total capital | 22,844,000 | 23,547,000 | 24,275,000 | 24,738,000 |
| Risk-weighted assets | 160,647,000 | 167,977,000 | 172,717,000 | 175,513,000 |