Call reports 2024
CAROLINA BANK & TRUST COMPANY — 2024
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 720,716,000 | 725,856,000 | 742,481,000 | 784,699,000 |
| Total loans | 568,602,000 | 582,175,000 | 594,236,000 | 582,865,000 |
| Allowance for loan losses | 7,606,000 | 7,821,000 | 7,999,000 | 8,011,000 |
| Securities available for sale | 101,147,000 | 85,130,000 | 99,169,000 | 111,635,000 |
| Securities held to maturity | 1,514,000 | 1,375,000 | 1,285,000 | 1,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,047,000 | 626,859,000 | 635,585,000 | 682,454,000 |
| Interest-bearing deposits | 455,779,000 | 459,142,000 | 470,199,000 | 525,827,000 |
| Noninterest-bearing deposits | 161,268,000 | 167,717,000 | 165,386,000 | 156,627,000 |
| Equity capital | 91,612,000 | 92,731,000 | 95,030,000 | 95,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,423,000 | 18,811,000 | 28,635,000 | 38,748,000 |
| Interest expense | 2,448,000 | 5,020,000 | 7,781,000 | 10,661,000 |
| Net interest income | 6,975,000 | 13,791,000 | 20,854,000 | 28,087,000 |
| Noninterest income | 793,000 | 1,608,000 | 2,512,000 | 3,419,000 |
| Noninterest expense | 3,997,000 | 7,841,000 | 11,818,000 | 15,906,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,000,000 | 1,300,000 |
| Pretax income | 3,371,000 | 6,858,000 | 10,548,000 | 14,300,000 |
| Income tax | 838,000 | 1,771,000 | 2,697,000 | 3,443,000 |
| Net income | 2,533,000 | 5,087,000 | 7,851,000 | 10,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,099,000 | 96,973,000 | 98,059,000 | 99,944,000 |
| Total capital | 102,770,000 | 103,788,000 | 105,038,000 | 106,840,000 |
| Risk-weighted assets | 532,720,000 | 544,185,000 | 557,272,000 | 550,531,000 |
Machine access — free, no API key
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