Call reports 2021
CAROLINA BANK & TRUST COMPANY — 2021
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 633,728,000 | 677,677,000 | 705,739,000 | 749,136,000 |
| Total loans | 412,962,000 | 415,816,000 | 415,812,000 | 415,235,000 |
| Allowance for loan losses | 6,048,000 | 6,185,000 | 6,316,000 | 6,405,000 |
| Securities available for sale | 64,780,000 | 64,647,000 | 61,994,000 | 68,012,000 |
| Securities held to maturity | 1,522,000 | 1,522,000 | 1,430,000 | 1,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,274,000 | 598,288,000 | 624,828,000 | 667,152,000 |
| Interest-bearing deposits | 362,646,000 | 377,360,000 | 400,919,000 | 412,023,000 |
| Noninterest-bearing deposits | 192,628,000 | 220,928,000 | 223,909,000 | 255,129,000 |
| Equity capital | 71,456,000 | 73,295,000 | 75,012,000 | 76,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,266,000 | 10,550,000 | 16,076,000 | 21,506,000 |
| Interest expense | 250,000 | 484,000 | 717,000 | 955,000 |
| Net interest income | 5,016,000 | 10,066,000 | 15,359,000 | 20,551,000 |
| Noninterest income | 793,000 | 1,577,000 | 2,424,000 | 3,304,000 |
| Noninterest expense | 3,196,000 | 6,387,000 | 9,804,000 | 13,627,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 2,463,000 | 4,956,000 | 7,529,000 | 9,728,000 |
| Income tax | 580,000 | 1,160,000 | 1,888,000 | 2,232,000 |
| Net income | 1,883,000 | 3,796,000 | 5,641,000 | 7,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,437,000 | 73,350,000 | 75,194,000 | 77,033,000 |
| Total capital | 75,749,000 | 77,859,000 | 79,910,000 | 81,810,000 |
| Risk-weighted assets | 343,261,000 | 359,037,000 | 375,705,000 | 380,535,000 |
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