Call reports 2013
CAROLINA BANK & TRUST COMPANY — 2013
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 371,471,000 | 372,920,000 | 386,509,000 | 378,996,000 |
| Total loans | 241,592,000 | 254,985,000 | 261,155,000 | 261,513,000 |
| Allowance for loan losses | 3,440,000 | 3,657,000 | 3,716,000 | 3,510,000 |
| Securities available for sale | 32,180,000 | 33,376,000 | 33,772,000 | 37,365,000 |
| Securities held to maturity | 4,158,000 | 4,158,000 | 4,158,000 | 4,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,395,000 | 326,687,000 | 337,231,000 | 331,960,000 |
| Interest-bearing deposits | 259,613,000 | 253,981,000 | 257,320,000 | 253,870,000 |
| Noninterest-bearing deposits | 65,782,000 | 72,706,000 | 79,911,000 | 78,090,000 |
| Equity capital | 42,596,000 | 42,787,000 | 43,137,000 | 43,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,582,000 | 7,283,000 | 11,082,000 | 14,892,000 |
| Interest expense | 280,000 | 542,000 | 800,000 | 1,043,000 |
| Net interest income | 3,302,000 | 6,741,000 | 10,282,000 | 13,849,000 |
| Noninterest income | 596,000 | 1,011,000 | 1,226,000 | 2,192,000 |
| Noninterest expense | 2,861,000 | 5,723,000 | 8,746,000 | 12,581,000 |
| Provision for loan losses | 225,000 | 300,000 | 375,000 | 375,000 |
| Pretax income | 812,000 | 1,729,000 | 2,387,000 | 3,085,000 |
| Income tax | 188,000 | 626,000 | 794,000 | 1,186,000 |
| Net income | 624,000 | 1,103,000 | 1,593,000 | 1,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,320,000 | 42,752,000 | 43,243,000 | 43,549,000 |
| Total capital | 45,612,000 | 46,159,000 | 46,549,000 | 46,996,000 |
| Risk-weighted assets | 263,239,000 | 272,307,000 | 278,600,000 | 275,739,000 |