Call reports 2015
CAROLINA BANK & TRUST COMPANY — 2015
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 402,186,000 | 399,955,000 | 401,647,000 | 407,954,000 |
| Total loans | 275,613,000 | 284,015,000 | 294,557,000 | 300,302,000 |
| Allowance for loan losses | 3,701,000 | 3,771,000 | 3,842,000 | 3,908,000 |
| Securities available for sale | 34,406,000 | 31,185,000 | 28,110,000 | 29,294,000 |
| Securities held to maturity | 4,655,000 | 4,655,000 | 8,520,000 | 5,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,854,000 | 349,068,000 | 350,051,000 | 355,553,000 |
| Interest-bearing deposits | 264,921,000 | 263,983,000 | 264,742,000 | 265,371,000 |
| Noninterest-bearing deposits | 86,933,000 | 85,085,000 | 85,309,000 | 90,182,000 |
| Equity capital | 46,099,000 | 46,676,000 | 47,454,000 | 48,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,776,000 | 7,648,000 | 11,711,000 | 15,753,000 |
| Interest expense | 232,000 | 460,000 | 689,000 | 916,000 |
| Net interest income | 3,544,000 | 7,188,000 | 11,022,000 | 14,837,000 |
| Noninterest income | 554,000 | 958,000 | 1,681,000 | 1,934,000 |
| Noninterest expense | 3,007,000 | 5,971,000 | 9,232,000 | 12,760,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,016,000 | 2,025,000 | 3,246,000 | 3,711,000 |
| Income tax | 331,000 | 753,000 | 1,271,000 | 688,000 |
| Net income | 685,000 | 1,272,000 | 1,975,000 | 3,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,008,000 | 46,596,000 | 47,298,000 | 48,321,000 |
| Total capital | 49,581,000 | 50,250,000 | 51,006,000 | 52,113,000 |
| Risk-weighted assets | 285,787,000 | 292,240,000 | 296,575,000 | 303,247,000 |