Call reports 2023
CAROLINA BANK & TRUST COMPANY — 2023
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 760,950,000 | 754,260,000 | 720,130,000 | 750,636,000 |
| Total loans | 497,862,000 | 503,818,000 | 520,220,000 | 538,214,000 |
| Allowance for loan losses | 7,363,000 | 6,686,000 | 7,093,000 | 7,292,000 |
| Securities available for sale | 174,781,000 | 132,035,000 | 112,485,000 | 108,552,000 |
| Securities held to maturity | 2,247,000 | 2,079,000 | 1,993,000 | 2,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,525,000 | 661,734,000 | 627,769,000 | 655,634,000 |
| Interest-bearing deposits | 458,414,000 | 436,741,000 | 441,723,000 | 483,989,000 |
| Noninterest-bearing deposits | 212,111,000 | 224,993,000 | 186,046,000 | 171,645,000 |
| Equity capital | 83,396,000 | 86,049,000 | 86,163,000 | 89,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,451,000 | 16,749,000 | 25,228,000 | 34,182,000 |
| Interest expense | 1,292,000 | 2,941,000 | 4,646,000 | 6,701,000 |
| Net interest income | 7,159,000 | 13,808,000 | 20,582,000 | 27,481,000 |
| Noninterest income | 743,000 | 1,659,000 | 3,051,000 | 3,906,000 |
| Noninterest expense | 3,588,000 | 7,256,000 | 11,171,000 | 15,282,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,200,000 | 1,550,000 |
| Pretax income | 3,914,000 | 7,511,000 | 11,262,000 | 14,555,000 |
| Income tax | 974,000 | 1,925,000 | 2,829,000 | 3,357,000 |
| Net income | 2,940,000 | 5,586,000 | 8,433,000 | 11,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,806,000 | 91,452,000 | 92,256,000 | 93,566,000 |
| Total capital | 94,845,000 | 97,511,000 | 98,470,000 | 99,979,000 |
| Risk-weighted assets | 481,766,000 | 484,111,000 | 496,261,000 | 512,183,000 |
Machine access — free, no API key
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