Call reports 2017
CAROLINA BANK & TRUST COMPANY — 2017
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 463,600,000 | 447,048,000 | 460,448,000 | 470,635,000 |
| Total loans | 298,376,000 | 313,922,000 | 310,716,000 | 321,097,000 |
| Allowance for loan losses | 4,170,000 | 4,238,000 | 4,321,000 | 4,333,000 |
| Securities available for sale | 37,836,000 | 38,522,000 | 36,508,000 | 36,165,000 |
| Securities held to maturity | 2,693,000 | 2,693,000 | 2,614,000 | 2,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,364,000 | 389,719,000 | 401,155,000 | 412,144,000 |
| Interest-bearing deposits | 278,233,000 | 268,358,000 | 272,270,000 | 272,041,000 |
| Noninterest-bearing deposits | 129,131,000 | 121,361,000 | 128,885,000 | 140,103,000 |
| Equity capital | 51,242,000 | 52,178,000 | 53,575,000 | 53,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,961,000 | 8,160,000 | 12,383,000 | 17,169,000 |
| Interest expense | 221,000 | 439,000 | 665,000 | 897,000 |
| Net interest income | 3,740,000 | 7,721,000 | 11,718,000 | 16,272,000 |
| Noninterest income | 604,000 | 1,286,000 | 2,474,000 | 3,507,000 |
| Noninterest expense | 3,046,000 | 6,116,000 | 9,106,000 | 12,481,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 400,000 |
| Pretax income | 1,223,000 | 2,741,000 | 4,786,000 | 6,898,000 |
| Income tax | 402,000 | 1,020,000 | 1,724,000 | 3,728,000 |
| Net income | 821,000 | 1,721,000 | 3,062,000 | 3,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,302,000 | 52,201,000 | 53,543,000 | 53,640,000 |
| Total capital | 55,043,000 | 56,054,000 | 57,338,000 | 57,581,000 |
| Risk-weighted assets | 298,873,000 | 307,882,000 | 303,122,000 | 314,943,000 |