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Carolina Bank Holdings (Carolina Bank Holdings) Capital Adequacy Tier - Tier 1 Ratio % : 12.35% (As of Sep. 2016)


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What is Carolina Bank Holdings Capital Adequacy Tier - Tier 1 Ratio %?

Capital Adequacy Tier - Tier 1 Ratio % is the ratio of a bank’s core tier 1 capital, which includes its equity capital and disclosed reserves, to its total risk-weighted assets. It is a key measure of a bank's financial strength and should not fall lower than 6% as per Basel III rules.

Carolina Bank Holdings's Capital Adequacy Tier - Tier 1 Ratio % for the quarter that ended in Sep. 2016 was 12.35% , which is higher than 12.20% for the pervious quarter ended in Jun. 2016.

The historical rank and industry rank for Carolina Bank Holdings's Capital Adequacy Tier - Tier 1 Ratio % or its related term are showing as below:

CLBH's Capital Adequacy Tier - Tier 1 Ratio % is not ranked *
in the Banks industry.
Industry Median:
* Ranked among companies with meaningful Capital Adequacy Tier - Tier 1 Ratio % only.

Carolina Bank Holdings Capital Adequacy Tier - Tier 1 Ratio % Historical Data

The historical data trend for Carolina Bank Holdings's Capital Adequacy Tier - Tier 1 Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Carolina Bank Holdings Capital Adequacy Tier - Tier 1 Ratio % Chart


Carolina Bank HoldingsQuarterly Data
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Capital Adequacy Tier - Tier 1 Ratio %
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Capital Adequacy Tier - Leverage Ratio %
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Capital Adequacy Tier - Total Capital Ratio %
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Efficiency Overhead Ratio %
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Net Charge Offs to Average Loans %
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Carolina Bank Holdings  (NAS:CLBH) Capital Adequacy Tier - Tier 1 Ratio % Calculation

Capital Adequacy Tier - Tier 1 Ratio % is calculated as

Capital Adequacy Tier - Tier 1 Ratio %=Tier 1 Capital / Total Risk Weighted Assets

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Carolina Bank Holdings  (NAS:CLBH) Capital Adequacy Tier - Tier 1 Ratio % Explanation

Tier 1 capital, or core capital, consists of a bank's common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. The tier 1 capital ratio is the ratio of a bank’s core capital vs. its total risk-weighted assets (RWAs). The risk-weighted assets are calculated by multiplying the assets that the company holds by their corresponding weights for credit risk (the weight is usually developed by the central bank).

The tier 1 capital ratio is the basis for the Basel III international capital and liquidity standards. The standard is used to force banks to increase capital buffers and ensure they can withstand financial distress before they become insolvent. Basel III rules stipulate that the Tier 1 capital ratio has to be at least 6% and the equity component of Tier 1 capital has to have at least 4.5% of RWAs. A higher Tier 1 ratio suggests that the company has more capital to pay down deposits and is less likely to become insolvent.

Carolina Bank Holdings Capital Adequacy Tier - Tier 1 Ratio % Related Terms

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Carolina Bank Holdings (Carolina Bank Holdings) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Carolina Bank Holdings Inc (NAS:CLBH) » Definitions » Capital Adequacy Tier - Tier 1 Ratio %
Comparable Companies
FCCO FCCY FRAF QNBC SLCT MVBF CWBB STND AUBN DNBF BERK FSBW ENFC FRBA SBBX FNRN DCBF FNCB CIZN RBPAA
Traded in Other Exchanges
N/A
Address
Website
http://www.carolinabank.com
Carolina Bank Holdings Inc was incorporated under the laws of the State of North Carolina on August 16, 2000. It is a bank holding company for Carolina Bank. The Company is engaged in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. Its operations are mainly commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived mainly from customers in its geographic market. The Company is considered to have three principal business segments Commercial/Retail Bank, the Mortgage Division, and the Holding Company. The mortgage division originates residential mortgage loans through other banks and brokers in addition to retail loan officers, who are located in five loan production offices and in five of its banking offices, and sells the loans to investors. The Company's primary service area consists of the Cities of Greensboro, High Point, Burlington, Winston-Salem and Asheboro, North Carolina and the areas immediately surrounding Greensboro, High Point, Burlington, Winston-Salem and Asheboro, all of which are located in Guilford, Alamance, Forsyth and Randolph Counties, North Carolina. Residential mortgage loan production offices are located in Burlington, Chapel Hill, Hillsborough, Raleigh and Sanford, NC. The Company competes directly for deposits in its primary service area with other commercial banks, savings banks, credit unions, agencies issuing United States government securities and all other organizations and institutions engaged in money market transactions, in lending activities, the bank competes with all other financial institutions. The Company is subject to supervision, examination and regulation by the North Carolina Office of the Commissioner of Banks ("Commissioner") and the FDIC and to North Carolina and federal statutory and regulatory provisions governing such matters as capital standards, mergers, subsidiary investments and establishment of branch offices.
Executives
Abby Jill Donnelly director 3503 SMOKETREE DRIVE, GREENSBORO NC 27410
Donald H Allred director 1246 WEST LAKE DRIVE, ASHEBORO NC 27205-2549