Carolina Bank & Trust Co. in Lamar, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

Carolina Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 16723
    Status: Active
    Federal Reserve ID: 355120
    Bank Holding Company (Regulatory Top Holder): First Carolina Bancshares Corporation (RSSDID: 1076525, Location: Darlington, SC)
    Date Established: March 03, 1936
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: No)
    FDIC's unique #: 10845
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 16, 1948
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 114 South Main Street, Lamar, SC 29069
    County: Darlington
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Florence, SC (#22500)
    CBSA Metro Statistical Area: Florence, SC (#22500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $358.5 mil
    Equity capital: $41.6 mil
    Deposits held in domestic offices: $314.2 mil
    Return on assets (ROA): 0.35% ($1.3 mil)
    Quarterly return on assets: 0.00% ($0.0 mil)
    Return on Equity (ROE): 2.98% ($1.3 mil)
    Quarterly return on equity: 0.04% ($0.0 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.43% ($1,541.4 mil)
    Quarterly Pretax return on assets: -0.24% (-$860.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 124Total employees (full-time equivalent)
  • $358,467Total assets
  • $13,383Cash and due from depository institutions
  • $1,500Interest-bearing balances
  • $46,725Securities
  • $27,362Federal funds sold & reverse repurchase agreements
  • $243,341Net loans & leases
  • $3,003Loan loss allowance
  • $0Trading account assets
  • $5,450Bank premises and fixed assets
  • $10,408Other real estate owned
  • $0Goodwill and other intangibles
  • $358,467Life insurance assets
  • $11,798All other assets
  • $316,914Total liabilities and capital
  • $314,242Total liabilities
  • $261,618Total deposits
  • $314,242Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,672Subordinated debt
  • $41,553All other liabilities
  • $41,553Total equity capital
  • $41,553Total bank equity capital
  • $0Perpetual preferred stock
  • $970Common stock
  • $8,030Surplus
  • $32,553Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,364Income earned, not collected on loans
  • $0Earning assets
  • $976Long-term assets (5+ years)
  • $318,928Average Assets, year-to-date
  • $104,827Average Assets, quarterly
  • $354,892Volatile liabilities
  • $358,536Insider loans
  • $264,096FHLB advances
  • $357,442Loans and leases held for sale
  • $7,190Unused loan commitments
  • $7,190Tier 1 (core) risk-based capital
  • $40,917Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,932Restructured Loans and leases
  • $1,352Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,414Total interest income
  • $2,191Total interest expense
  • $13,223Net interest income
  • $2,630Provision for loan and lease losses
  • $3,744Total noninterest income
  • $0Fiduciary activities
  • $1,993Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,751Additional noninterest income
  • $12,810Total noninterest expense
  • $7,624Salaries and employee benefits
  • $2,207Premises and equipment expense
  • $2,979Additional noninterest expense
  • $1,527Pre-tax net operating income
  • $0Securities gains (losses)
  • $302Applicable income taxes
  • $1,225Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,225Net income attributable to bank
  • $0Net charge-offs
  • $1,225Cash dividends
  • $3,024Sale, conversion, retirement of capital stock, net
  • $350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.11%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 2.98%Return on equity (ROE)
  • 2.13%Retained earnings to average equity (YTD only)
  • 1.21%Net charge-offs to loans
  • 86.97%Credit loss provision to net charge-offs
  • 1.37%Efficiency ratio
  • 75,499Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.57%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 15.51%Noncurrent assets plus other real estate owned to assets
  • 8.31%Noncurrent loans to loans
  • 7.86%Net loans and leases to deposits
  • 77.44%Net loans and leases to core deposits
  • 82.61%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 11.45%Tier 1 risk-based capital ratio
  • 15.49%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $354,892Average earning assets
  • $41,069Average equity
  • $321,392Average loans

List of branches

  • 16 South Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010845Carolina Bank & Trust Co.114 South Main Street, Lamar, SC 29069March 03, 1936Full Service Brick and Mortar
    1238655Darlington BranchOrange Street, Darlington, SC 29532July 01, 1965Full Service Brick and Mortar
    2238656Society Hill BranchMain Street, Society Hill, SC 29593September 29, 1966Full Service Brick and Mortar
    4238658Quinby Branch408 Ashby Road, Quinby, SC 29501August 15, 1973Full Service Brick and Mortar
    5238659Hartsville Branch525 South Fifth Street, Hartsville, SC 29550December 10, 1980Full Service Brick and Mortar
    6191024Bennettsville Branch301 East Main Street, Bennettsville, SC 29512November 30, 1960Full Service Brick and Mortar
    7219261Chesterfield Branch166 Olde Towne Center, Chesterfield, SC 29709March 12, 1969Full Service Brick and Mortar
    8224897Mullins Main Branch110 West Mcintyre Street, Mullins, SC 29574March 09, 1981Full Service Brick and Mortar
    9238660Bennettsville Drive-In BranchUs Highway 15 And 401 By-Pass, Bennettsville, SC 29512March 21, 1988Limited Service Facility
    10238661Cheraw Branch320 Chesterfield Highway (Highway 9), Cheraw, SC 29520January 27, 1992Full Service Brick and Mortar
    11238662Hartsville Branch1042 North Fifth Street, Hartsville, SC 29550October 08, 1993Full Service Brick and Mortar
    12334352109 Express Lane Branch109 Express Lane, Darlington, SC 29532April 26, 2000Full Service Brick and Mortar
    13361135Florence Branch3037 West Palmetto Street, Florence, SC 29501August 15, 2000Full Service Brick and Mortar
    14361136Walmart Branch1150 South Fourth Street, Hartsville, SC 29550March 14, 2001Full Service Retail
    15361137N Myrtle Beach Branch1043 Sea Mountain Hwy, North Myrtle Beach, SC 29582May 07, 2001Full Service Brick and Mortar
    16482930South Florence Branch1539 South Irby Street, Florence, SC 29505September 30, 2008Full Service Brick and Mortar

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