Call reports 2006
CAROLINA BANK & TRUST COMPANY — 2006
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 292,880,000 | 285,497,000 | 288,387,000 | 293,965,000 |
| Total loans | 201,463,000 | 201,412,000 | 201,536,000 | 211,472,000 |
| Allowance for loan losses | 2,191,000 | 2,183,000 | 2,257,000 | 2,363,000 |
| Securities available for sale | 37,671,000 | 42,577,000 | 46,698,000 | 48,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,916,000 | 253,892,000 | 255,710,000 | 260,102,000 |
| Interest-bearing deposits | 209,459,000 | 204,291,000 | 206,474,000 | 204,790,000 |
| Noninterest-bearing deposits | 52,458,000 | 49,601,000 | 49,236,000 | 55,312,000 |
| Equity capital | 28,939,000 | 29,604,000 | 30,380,000 | 31,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,200,000 | 8,722,000 | 13,275,000 | 18,024,000 |
| Interest expense | 1,218,000 | 2,632,000 | 4,185,000 | 5,835,000 |
| Net interest income | 2,982,000 | 6,090,000 | 9,090,000 | 12,189,000 |
| Noninterest income | 1,090,000 | 2,325,000 | 3,492,000 | 4,611,000 |
| Noninterest expense | 2,978,000 | 5,898,000 | 8,832,000 | 11,583,000 |
| Provision for loan losses | 40,000 | 80,000 | 160,000 | 340,000 |
| Pretax income | 1,054,000 | 2,437,000 | 3,590,000 | 4,877,000 |
| Income tax | 350,000 | 897,000 | 1,270,000 | 1,676,000 |
| Net income | 704,000 | 1,540,000 | 2,320,000 | 3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,370,000 | 30,206,000 | 30,595,000 | 31,471,000 |
| Total capital | 31,561,000 | 32,389,000 | 32,852,000 | 33,834,000 |
| Risk-weighted assets | 215,987,000 | 214,536,000 | 215,572,000 | 223,681,000 |