Call reports 2007
CAROLINA BANK & TRUST COMPANY — 2007
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 297,533,000 | 305,471,000 | 313,205,000 | 315,839,000 |
| Total loans | 208,799,000 | 217,268,000 | 224,037,000 | 235,579,000 |
| Allowance for loan losses | 2,388,000 | 2,379,000 | 2,379,000 | 2,383,000 |
| Securities available for sale | 51,493,000 | 43,191,000 | 46,728,000 | 43,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,726,000 | 270,002,000 | 276,069,000 | 277,470,000 |
| Interest-bearing deposits | 210,112,000 | 219,623,000 | 224,001,000 | 224,448,000 |
| Noninterest-bearing deposits | 52,614,000 | 50,379,000 | 52,068,000 | 53,022,000 |
| Equity capital | 31,956,000 | 32,753,000 | 34,232,000 | 35,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,848,000 | 9,760,000 | 14,993,000 | 20,266,000 |
| Interest expense | 1,676,000 | 3,390,000 | 5,223,000 | 7,062,000 |
| Net interest income | 3,172,000 | 6,370,000 | 9,770,000 | 13,204,000 |
| Noninterest income | 1,065,000 | 2,354,000 | 3,803,000 | 4,995,000 |
| Noninterest expense | 2,784,000 | 5,644,000 | 8,553,000 | 12,050,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 100,000 |
| Pretax income | 1,423,000 | 3,050,000 | 4,990,000 | 6,049,000 |
| Income tax | 482,000 | 1,028,000 | 1,774,000 | 2,086,000 |
| Net income | 941,000 | 2,022,000 | 3,216,000 | 3,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,000,000 | 33,081,000 | 34,265,000 | 34,962,000 |
| Total capital | 34,388,000 | 35,460,000 | 36,644,000 | 37,345,000 |
| Risk-weighted assets | 223,654,000 | 230,618,000 | 238,216,000 | 244,743,000 |