Call reports 2018
CAROLINA BANK & TRUST COMPANY — 2018
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 460,978,000 | 455,204,000 | 465,144,000 | 475,163,000 |
| Total loans | 329,224,000 | 331,763,000 | 334,760,000 | 334,986,000 |
| Allowance for loan losses | 4,401,000 | 4,439,000 | 4,474,000 | 4,536,000 |
| Securities available for sale | 35,445,000 | 35,467,000 | 35,472,000 | 32,544,000 |
| Securities held to maturity | 2,361,000 | 2,361,000 | 2,279,000 | 2,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,441,000 | 393,976,000 | 402,514,000 | 412,472,000 |
| Interest-bearing deposits | 279,899,000 | 279,633,000 | 278,713,000 | 274,546,000 |
| Noninterest-bearing deposits | 121,542,000 | 114,343,000 | 123,801,000 | 137,926,000 |
| Equity capital | 54,194,000 | 56,789,000 | 58,120,000 | 58,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,454,000 | 9,100,000 | 13,766,000 | 18,534,000 |
| Interest expense | 244,000 | 545,000 | 986,000 | 1,476,000 |
| Net interest income | 4,210,000 | 8,555,000 | 12,780,000 | 17,058,000 |
| Noninterest income | 681,000 | 2,736,000 | 3,550,000 | 4,199,000 |
| Noninterest expense | 2,750,000 | 5,719,000 | 8,627,000 | 13,185,000 |
| Provision for loan losses | 175,000 | 475,000 | 775,000 | 1,075,000 |
| Pretax income | 1,966,000 | 5,097,000 | 6,941,000 | 7,010,000 |
| Income tax | 508,000 | 1,104,000 | 1,607,000 | 1,294,000 |
| Net income | 1,458,000 | 3,993,000 | 5,334,000 | 5,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,600,000 | 57,135,000 | 58,476,000 | 58,858,000 |
| Total capital | 58,581,000 | 61,109,000 | 62,514,000 | 62,925,000 |
| Risk-weighted assets | 318,084,000 | 317,501,000 | 322,681,000 | 324,901,000 |