Call reports 2005
CAROLINA BANK & TRUST COMPANY — 2005
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 263,778,000 | 269,330,000 | 270,688,000 | 270,469,000 |
| Total loans | 195,547,000 | 201,353,000 | 201,582,000 | 205,841,000 |
| Allowance for loan losses | 2,075,000 | 2,163,000 | 2,192,000 | 2,153,000 |
| Securities available for sale | 29,338,000 | 29,761,000 | 28,910,000 | 28,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,844,000 | 240,539,000 | 241,221,000 | 240,326,000 |
| Interest-bearing deposits | 187,630,000 | 194,472,000 | 194,033,000 | 186,818,000 |
| Noninterest-bearing deposits | 48,214,000 | 46,067,000 | 47,188,000 | 53,508,000 |
| Equity capital | 26,477,000 | 27,326,000 | 27,967,000 | 28,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,529,000 | 7,201,000 | 11,056,000 | 15,059,000 |
| Interest expense | 805,000 | 1,662,000 | 2,629,000 | 3,673,000 |
| Net interest income | 2,724,000 | 5,539,000 | 8,427,000 | 11,386,000 |
| Noninterest income | 1,129,000 | 2,292,000 | 3,474,000 | 4,635,000 |
| Noninterest expense | 2,839,000 | 5,486,000 | 8,235,000 | 11,150,000 |
| Provision for loan losses | 40,000 | 160,000 | 200,000 | 290,000 |
| Pretax income | 982,000 | 2,193,000 | 3,474,000 | 4,589,000 |
| Income tax | 330,000 | 820,000 | 1,346,000 | 1,638,000 |
| Net income | 652,000 | 1,373,000 | 2,128,000 | 2,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,852,000 | 27,558,000 | 28,313,000 | 29,097,000 |
| Total capital | 28,927,000 | 29,721,000 | 30,505,000 | 31,250,000 |
| Risk-weighted assets | 211,648,000 | 209,373,000 | 211,456,000 | 215,148,000 |