Call reports 2003
CAROLINA BANK & TRUST COMPANY — 2003
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 242,823,000 | 248,628,000 | 249,373,000 | 245,191,000 |
| Total loans | 169,704,000 | 176,901,000 | 171,232,000 | 170,370,000 |
| Allowance for loan losses | 1,926,000 | 1,963,000 | 1,998,000 | 1,751,000 |
| Securities available for sale | 18,347,000 | 24,027,000 | 25,016,000 | 30,270,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,958,000 | 223,344,000 | 223,731,000 | 219,617,000 |
| Interest-bearing deposits | 173,760,000 | 177,687,000 | 178,565,000 | 175,262,000 |
| Noninterest-bearing deposits | 44,198,000 | 45,657,000 | 45,166,000 | 44,355,000 |
| Equity capital | 23,512,000 | 24,160,000 | 24,679,000 | 24,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,315,000 | 6,617,000 | 9,886,000 | 13,071,000 |
| Interest expense | 689,000 | 1,406,000 | 2,093,000 | 2,753,000 |
| Net interest income | 2,626,000 | 5,211,000 | 7,793,000 | 10,318,000 |
| Noninterest income | 921,000 | 2,207,000 | 3,484,000 | 4,630,000 |
| Noninterest expense | 2,341,000 | 5,067,000 | 7,600,000 | 10,534,000 |
| Provision for loan losses | 35,000 | 115,000 | 155,000 | 1,070,000 |
| Pretax income | 1,171,000 | 2,236,000 | 3,522,000 | 3,344,000 |
| Income tax | 385,000 | 797,000 | 1,180,000 | 1,093,000 |
| Net income | 786,000 | 1,439,000 | 2,342,000 | 2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,397,000 | 24,050,000 | 24,587,000 | 24,492,000 |
| Total capital | 25,323,000 | 26,013,000 | 26,585,000 | 26,243,000 |
| Risk-weighted assets | 181,330,000 | 188,427,000 | 184,091,000 | 183,214,000 |