Call reports 2019
CAROLINA BANK & TRUST COMPANY — 2019
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 472,503,000 | 479,833,000 | 480,999,000 | 490,468,000 |
| Total loans | 338,998,000 | 340,346,000 | 336,835,000 | 328,202,000 |
| Allowance for loan losses | 4,643,000 | 4,761,000 | 4,829,000 | 4,856,000 |
| Securities available for sale | 34,553,000 | 33,864,000 | 32,625,000 | 34,245,000 |
| Securities held to maturity | 2,223,000 | 2,223,000 | 2,138,000 | 2,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,633,000 | 413,365,000 | 413,490,000 | 421,309,000 |
| Interest-bearing deposits | 284,001,000 | 288,388,000 | 283,326,000 | 280,874,000 |
| Noninterest-bearing deposits | 124,632,000 | 124,977,000 | 130,164,000 | 140,435,000 |
| Equity capital | 59,598,000 | 61,930,000 | 62,965,000 | 64,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,783,000 | 9,994,000 | 15,029,000 | 19,982,000 |
| Interest expense | 537,000 | 1,142,000 | 1,767,000 | 2,294,000 |
| Net interest income | 4,246,000 | 8,852,000 | 13,262,000 | 17,688,000 |
| Noninterest income | 708,000 | 1,897,000 | 2,760,000 | 3,655,000 |
| Noninterest expense | 3,064,000 | 6,135,000 | 9,272,000 | 12,559,000 |
| Provision for loan losses | 225,000 | 450,000 | 625,000 | 775,000 |
| Pretax income | 1,665,000 | 4,164,000 | 6,125,000 | 8,009,000 |
| Income tax | 413,000 | 888,000 | 1,792,000 | 2,004,000 |
| Net income | 1,252,000 | 3,276,000 | 4,333,000 | 6,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,631,000 | 61,655,000 | 62,712,000 | 64,384,000 |
| Total capital | 63,831,000 | 65,864,000 | 66,878,000 | 68,480,000 |
| Risk-weighted assets | 335,623,000 | 336,180,000 | 332,580,000 | 326,934,000 |