Call reports 2010
CAROLINA BANK & TRUST COMPANY — 2010
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 348,358,000 | 344,770,000 | 342,323,000 | 344,443,000 |
| Total loans | 251,932,000 | 250,206,000 | 252,440,000 | 250,418,000 |
| Allowance for loan losses | 3,246,000 | 3,498,000 | 3,550,000 | 3,397,000 |
| Securities available for sale | 37,766,000 | 45,829,000 | 43,266,000 | 44,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,510,000 | 301,415,000 | 298,281,000 | 300,008,000 |
| Interest-bearing deposits | 252,570,000 | 247,918,000 | 245,953,000 | 249,302,000 |
| Noninterest-bearing deposits | 52,940,000 | 53,497,000 | 52,328,000 | 50,706,000 |
| Equity capital | 40,022,000 | 40,731,000 | 41,356,000 | 40,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,310,000 | 8,855,000 | 13,325,000 | 17,674,000 |
| Interest expense | 816,000 | 1,552,000 | 2,213,000 | 2,851,000 |
| Net interest income | 3,494,000 | 7,303,000 | 11,112,000 | 14,823,000 |
| Noninterest income | 1,027,000 | 1,958,000 | 2,935,000 | 3,835,000 |
| Noninterest expense | 3,215,000 | 6,471,000 | 9,688,000 | 13,541,000 |
| Provision for loan losses | 150,000 | 450,000 | 750,000 | 2,450,000 |
| Pretax income | 1,156,000 | 2,340,000 | 3,609,000 | 2,667,000 |
| Income tax | 230,000 | 812,000 | 1,378,000 | 951,000 |
| Net income | 926,000 | 1,528,000 | 2,231,000 | 1,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,271,000 | 39,853,000 | 40,556,000 | 40,042,000 |
| Total capital | 42,517,000 | 43,074,000 | 43,799,000 | 43,301,000 |
| Risk-weighted assets | 259,704,000 | 257,366,000 | 259,131,000 | 260,583,000 |
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