Call reports 2012
CAROLINA BANK & TRUST COMPANY — 2012
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 372,251,000 | 363,876,000 | 362,737,000 | 366,979,000 |
| Total loans | 252,655,000 | 248,932,000 | 243,896,000 | 243,523,000 |
| Allowance for loan losses | 2,943,000 | 3,162,000 | 3,374,000 | 3,235,000 |
| Securities available for sale | 41,678,000 | 37,423,000 | 35,795,000 | 32,915,000 |
| Securities held to maturity | 3,900,000 | 3,900,000 | 3,748,000 | 4,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,675,000 | 318,969,000 | 317,162,000 | 321,861,000 |
| Interest-bearing deposits | 268,822,000 | 262,877,000 | 257,625,000 | 257,466,000 |
| Noninterest-bearing deposits | 58,853,000 | 56,092,000 | 59,537,000 | 64,395,000 |
| Equity capital | 41,532,000 | 41,874,000 | 42,282,000 | 42,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,808,000 | 7,622,000 | 11,342,000 | 15,043,000 |
| Interest expense | 425,000 | 787,000 | 1,126,000 | 1,429,000 |
| Net interest income | 3,383,000 | 6,835,000 | 10,216,000 | 13,614,000 |
| Noninterest income | 744,000 | 1,310,000 | 1,865,000 | 2,567,000 |
| Noninterest expense | 3,195,000 | 6,433,000 | 9,297,000 | 12,616,000 |
| Provision for loan losses | 425,000 | 725,000 | 1,075,000 | 1,425,000 |
| Pretax income | 507,000 | 987,000 | 1,709,000 | 2,221,000 |
| Income tax | 84,000 | 263,000 | 550,000 | 696,000 |
| Net income | 423,000 | 724,000 | 1,159,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,991,000 | 41,292,000 | 41,727,000 | 41,744,000 |
| Total capital | 43,934,000 | 44,454,000 | 45,015,000 | 44,979,000 |
| Risk-weighted assets | 271,332,000 | 266,514,000 | 263,007,000 | 265,024,000 |