Call reports 2008
CAROLINA BANK & TRUST COMPANY — 2008
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 327,400,000 | 336,605,000 | 345,092,000 | 347,071,000 |
| Total loans | 243,133,000 | 250,241,000 | 252,559,000 | 261,693,000 |
| Allowance for loan losses | 2,459,000 | 2,553,000 | 2,671,000 | 2,726,000 |
| Securities available for sale | 45,296,000 | 43,877,000 | 44,050,000 | 53,196,000 |
| Securities held to maturity | 0 | 3,920,000 | 754,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,335,000 | 295,688,000 | 303,753,000 | 306,183,000 |
| Interest-bearing deposits | 235,668,000 | 239,663,000 | 247,806,000 | 250,326,000 |
| Noninterest-bearing deposits | 51,667,000 | 56,025,000 | 55,947,000 | 55,857,000 |
| Equity capital | 36,619,000 | 37,053,000 | 38,072,000 | 37,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,188,000 | 10,189,000 | 15,277,000 | 20,051,000 |
| Interest expense | 1,741,000 | 3,272,000 | 4,795,000 | 6,343,000 |
| Net interest income | 3,447,000 | 6,917,000 | 10,482,000 | 13,708,000 |
| Noninterest income | 2,039,000 | 3,199,000 | 4,333,000 | 5,621,000 |
| Noninterest expense | 2,869,000 | 5,861,000 | 8,914,000 | 12,715,000 |
| Provision for loan losses | 120,000 | 240,000 | 380,000 | 700,000 |
| Pretax income | 2,497,000 | 4,015,000 | 5,521,000 | 5,914,000 |
| Income tax | 877,000 | 1,424,000 | 1,959,000 | 2,070,000 |
| Net income | 1,620,000 | 2,591,000 | 3,562,000 | 3,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,123,000 | 37,079,000 | 37,937,000 | 37,110,000 |
| Total capital | 38,582,000 | 39,632,000 | 40,608,000 | 39,836,000 |
| Risk-weighted assets | 251,006,000 | 256,761,000 | 260,953,000 | 265,098,000 |