Call reports 2025
CAROLINA BANK & TRUST COMPANY — 2025
What CAROLINA BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 762,777,000 | 805,579,000 | 831,510,000 | 886,375,000 |
| Total loans | 587,766,000 | 586,786,000 | 582,896,000 | 588,349,000 |
| Allowance for loan losses | 8,142,000 | 8,330,000 | 8,308,000 | 8,170,000 |
| Securities available for sale | 95,403,000 | 105,089,000 | 116,718,000 | 150,734,000 |
| Securities held to maturity | 1,109,000 | 1,109,000 | 1,016,000 | 1,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 656,273,000 | 698,752,000 | 721,317,000 | 774,283,000 |
| Interest-bearing deposits | 497,719,000 | 504,726,000 | 514,916,000 | 561,820,000 |
| Noninterest-bearing deposits | 158,554,000 | 194,026,000 | 206,401,000 | 212,463,000 |
| Equity capital | 99,139,000 | 100,388,000 | 103,250,000 | 105,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,065,000 | 20,610,000 | 31,491,000 | 42,874,000 |
| Interest expense | 2,981,000 | 5,820,000 | 8,765,000 | 11,661,000 |
| Net interest income | 7,084,000 | 14,790,000 | 22,726,000 | 31,213,000 |
| Noninterest income | 843,000 | 1,761,000 | 2,685,000 | 3,641,000 |
| Noninterest expense | 4,161,000 | 8,314,000 | 12,734,000 | 16,989,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,075,000 |
| Pretax income | 3,466,000 | 7,637,000 | 11,777,000 | 15,790,000 |
| Income tax | 858,000 | 1,776,000 | 2,652,000 | 3,497,000 |
| Net income | 2,608,000 | 5,861,000 | 9,125,000 | 12,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,554,000 | 103,634,000 | 105,812,000 | 107,894,000 |
| Total capital | 109,375,000 | 110,403,000 | 112,525,000 | 114,684,000 |
| Risk-weighted assets | 544,390,000 | 539,967,000 | 535,485,000 | 541,845,000 |