Call reports 2011
CAROLINA BANK & TRUST COMPANY — 2011
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 358,410,000 | 354,535,000 | 358,604,000 | 358,467,000 |
| Total loans | 255,097,000 | 250,325,000 | 247,367,000 | 246,344,000 |
| Allowance for loan losses | 3,654,000 | 3,252,000 | 3,095,000 | 3,003,000 |
| Securities available for sale | 43,797,000 | 44,169,000 | 45,751,000 | 42,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,307,000 | 310,908,000 | 314,613,000 | 314,242,000 |
| Interest-bearing deposits | 258,163,000 | 256,906,000 | 259,700,000 | 261,618,000 |
| Noninterest-bearing deposits | 54,144,000 | 54,002,000 | 54,913,000 | 52,624,000 |
| Equity capital | 40,464,000 | 41,272,000 | 41,549,000 | 41,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,916,000 | 7,870,000 | 11,728,000 | 15,414,000 |
| Interest expense | 609,000 | 1,161,000 | 1,689,000 | 2,191,000 |
| Net interest income | 3,307,000 | 6,709,000 | 10,039,000 | 13,223,000 |
| Noninterest income | 845,000 | 1,775,000 | 2,744,000 | 3,744,000 |
| Noninterest expense | 3,070,000 | 6,118,000 | 9,238,000 | 12,810,000 |
| Provision for loan losses | 400,000 | 1,000,000 | 1,800,000 | 2,630,000 |
| Pretax income | 682,000 | 1,366,000 | 1,745,000 | 1,527,000 |
| Income tax | 229,000 | 433,000 | 524,000 | 302,000 |
| Net income | 453,000 | 933,000 | 1,221,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,145,000 | 40,625,000 | 40,913,000 | 40,917,000 |
| Total capital | 43,473,000 | 43,877,000 | 44,008,000 | 43,920,000 |
| Risk-weighted assets | 265,914,000 | 262,525,000 | 259,924,000 | 264,096,000 |