Call reports 2020
CAROLINA BANK & TRUST COMPANY — 2020
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 510,829,000 | 565,110,000 | 578,779,000 | 606,669,000 |
| Total loans | 339,299,000 | 391,011,000 | 396,214,000 | 391,601,000 |
| Allowance for loan losses | 5,003,000 | 5,289,000 | 5,732,000 | 5,921,000 |
| Securities available for sale | 63,205,000 | 52,461,000 | 50,136,000 | 69,559,000 |
| Securities held to maturity | 1,862,000 | 1,862,000 | 2,400,000 | 2,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,697,000 | 490,114,000 | 503,014,000 | 530,440,000 |
| Interest-bearing deposits | 295,947,000 | 324,652,000 | 331,527,000 | 339,983,000 |
| Noninterest-bearing deposits | 143,750,000 | 165,462,000 | 171,487,000 | 190,457,000 |
| Equity capital | 66,041,000 | 67,270,000 | 68,847,000 | 70,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,065,000 | 9,753,000 | 15,031,000 | 20,290,000 |
| Interest expense | 494,000 | 845,000 | 1,162,000 | 1,433,000 |
| Net interest income | 4,571,000 | 8,908,000 | 13,869,000 | 18,857,000 |
| Noninterest income | 779,000 | 1,577,000 | 2,426,000 | 3,154,000 |
| Noninterest expense | 3,157,000 | 6,361,000 | 9,599,000 | 13,088,000 |
| Provision for loan losses | 200,000 | 500,000 | 700,000 | 900,000 |
| Pretax income | 1,993,000 | 3,624,000 | 5,996,000 | 8,023,000 |
| Income tax | 469,000 | 867,000 | 1,589,000 | 1,738,000 |
| Net income | 1,524,000 | 2,757,000 | 4,407,000 | 6,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,360,000 | 66,587,000 | 68,237,000 | 70,115,000 |
| Total capital | 69,572,000 | 70,716,000 | 72,321,000 | 74,290,000 |
| Risk-weighted assets | 336,198,000 | 329,204,000 | 325,071,000 | 332,241,000 |
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