Call reports 2016
CAROLINA BANK & TRUST COMPANY — 2016
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 423,940,000 | 443,068,000 | 446,279,000 | 452,513,000 |
| Total loans | 305,726,000 | 309,792,000 | 305,553,000 | 301,313,000 |
| Allowance for loan losses | 3,968,000 | 4,143,000 | 4,212,000 | 4,149,000 |
| Securities available for sale | 32,731,000 | 33,806,000 | 33,757,000 | 37,038,000 |
| Securities held to maturity | 1,769,000 | 1,769,000 | 1,693,000 | 1,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,510,000 | 388,759,000 | 391,450,000 | 397,030,000 |
| Interest-bearing deposits | 271,454,000 | 272,573,000 | 273,331,000 | 273,231,000 |
| Noninterest-bearing deposits | 99,056,000 | 116,186,000 | 118,119,000 | 123,799,000 |
| Equity capital | 48,936,000 | 50,001,000 | 50,468,000 | 50,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,106,000 | 8,228,000 | 12,431,000 | 16,547,000 |
| Interest expense | 227,000 | 457,000 | 690,000 | 921,000 |
| Net interest income | 3,879,000 | 7,771,000 | 11,741,000 | 15,626,000 |
| Noninterest income | 693,000 | 1,680,000 | 2,286,000 | 3,044,000 |
| Noninterest expense | 3,145,000 | 6,212,000 | 9,456,000 | 12,826,000 |
| Provision for loan losses | 300,000 | 700,000 | 850,000 | 800,000 |
| Pretax income | 1,127,000 | 2,539,000 | 3,721,000 | 5,044,000 |
| Income tax | 328,000 | 834,000 | 1,424,000 | 2,028,000 |
| Net income | 799,000 | 1,705,000 | 2,297,000 | 3,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,708,000 | 49,613,000 | 50,173,000 | 50,892,000 |
| Total capital | 52,622,000 | 53,565,000 | 54,098,000 | 54,617,000 |
| Risk-weighted assets | 313,079,000 | 315,973,000 | 313,753,000 | 297,601,000 |