Carolina Bank & Trust Co.

Carolina Bank & Trust Co. is headquartered in Lamar and is the 30^th largest bank in the state of South Carolina. It is also the 1,833^rd largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 124 employees at 16 locations. Carolina Bank & Trust Co. has a 3-star health rating.

Data for Q4 2011

Institution Statistics Carolina Bank & Trust Co. FDIC Certificate # 16723 BankRate Report View Year Established 1936 Employees 124 Primary Regulator FDIC Assets and Liabilities Assets $358.47 million Loans $243.34 million Deposits $314.24 million Equity Capital $41.55 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $19.36 million Real Estate Owned $10.41 million Historic Data - December 2010 Assets $344.44 million Equity Capital $40.51 million Loan Loss Allowance $3.40 million Unbacked Noncurrent Loans $3.26 million Real Estate Owned $4.41 million Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 0.35% Return on Equity 2.98% Interest Income $15.41 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Carolina Bank & Trust Co. had $29.77 million in non-current loans and owned real-estate with $44.56 million in equity and loan loss allowances on hand to cover it. This gives Carolina Bank & Trust Co. a Texas Ratio of 66.82% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Carolina Bank & Trust Co. increased slightly from 17.47% as of December 31, 2010 to 66.82% as of December 31, 2011, resulting in a negative change of 282.47%. This indicates that the balance sheet and financial strength for Carolina Bank & Trust Co. has declined slightly in recent periods. Deposit Growth In the past year, Carolina Bank & Trust Co. has increased its total deposits by $14.23 million, resulting in 4.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carolina Bank & Trust Co. has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carolina Bank & Trust Co. has $358.47 million in assets with $44.56 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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