Call reports 2014
CAROLINA BANK & TRUST COMPANY — 2014
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 397,757,000 | 388,837,000 | 391,850,000 | 389,928,000 |
| Total loans | 261,221,000 | 267,237,000 | 262,323,000 | 268,055,000 |
| Allowance for loan losses | 3,602,000 | 3,604,000 | 3,619,000 | 3,645,000 |
| Securities available for sale | 36,529,000 | 35,554,000 | 38,107,000 | 35,838,000 |
| Securities held to maturity | 3,945,000 | 3,945,000 | 3,945,000 | 5,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,818,000 | 337,558,000 | 343,084,000 | 340,289,000 |
| Interest-bearing deposits | 271,126,000 | 262,077,000 | 259,723,000 | 257,664,000 |
| Noninterest-bearing deposits | 75,692,000 | 75,481,000 | 83,361,000 | 82,625,000 |
| Equity capital | 43,730,000 | 44,661,000 | 45,236,000 | 45,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,596,000 | 11,439,000 | 15,254,000 |
| Interest expense | 243,000 | 479,000 | 709,000 | 941,000 |
| Net interest income | 3,566,000 | 7,117,000 | 10,730,000 | 14,313,000 |
| Noninterest income | 509,000 | 1,118,000 | 1,629,000 | 1,492,000 |
| Noninterest expense | 2,930,000 | 5,964,000 | 9,080,000 | 12,684,000 |
| Provision for loan losses | 100,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 1,045,000 | 2,171,000 | 3,129,000 | 2,921,000 |
| Income tax | 382,000 | 738,000 | 1,033,000 | 456,000 |
| Net income | 663,000 | 1,433,000 | 2,096,000 | 2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,867,000 | 44,636,000 | 45,300,000 | 45,669,000 |
| Total capital | 47,351,000 | 48,139,000 | 48,762,000 | 49,294,000 |
| Risk-weighted assets | 278,613,000 | 280,178,000 | 276,774,000 | 289,993,000 |