Call reports 2004
CAROLINA BANK & TRUST COMPANY — 2004
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 251,598,000 | 254,397,000 | 253,233,000 | 258,567,000 |
| Total loans | 177,803,000 | 186,496,000 | 182,029,000 | 198,104,000 |
| Allowance for loan losses | 1,889,000 | 1,951,000 | 2,013,000 | 2,050,000 |
| Securities available for sale | 29,988,000 | 28,962,000 | 30,822,000 | 30,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,873,000 | 228,222,000 | 225,817,000 | 231,122,000 |
| Interest-bearing deposits | 179,420,000 | 180,178,000 | 179,271,000 | 179,239,000 |
| Noninterest-bearing deposits | 46,453,000 | 48,044,000 | 46,546,000 | 51,883,000 |
| Equity capital | 24,934,000 | 25,256,000 | 26,295,000 | 26,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,180,000 | 6,396,000 | 9,684,000 | 13,193,000 |
| Interest expense | 622,000 | 1,233,000 | 1,872,000 | 2,539,000 |
| Net interest income | 2,558,000 | 5,163,000 | 7,812,000 | 10,654,000 |
| Noninterest income | 1,145,000 | 2,310,000 | 3,559,000 | 4,855,000 |
| Noninterest expense | 2,480,000 | 5,279,000 | 7,989,000 | 11,018,000 |
| Provision for loan losses | 170,000 | 250,000 | 370,000 | 525,000 |
| Pretax income | 1,075,000 | 1,966,000 | 3,034,000 | 3,988,000 |
| Income tax | 363,000 | 600,000 | 828,000 | 1,585,000 |
| Net income | 712,000 | 1,366,000 | 2,206,000 | 2,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,857,000 | 25,511,000 | 26,351,000 | 26,547,000 |
| Total capital | 26,746,000 | 27,462,000 | 28,365,000 | 28,597,000 |
| Risk-weighted assets | 193,140,000 | 202,629,000 | 199,166,000 | 212,736,000 |