This institution is no longer active

Operations ceased on December 31, 1993. CRA examination history below reflects the period it was active.

FIRST CHARLOTTE BANK AND TRUST COMPANY

CHARLOTTE, NC · Supervised by FDIC

Est. 1983FDIC #24,767RSSD: FDIC-24767

Part ofFIRST CHARLOTTE FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: November 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

1701 East Third Street, CHARLOTTE, NC

County

Mecklenburg County

Established

November 1, 1983

Total Assets

$170M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1993Call Report / FDIC

Total Assets

$170M

Total Deposits

$146M

Net Loans

$110M

Net Income

$1M

ROA

1.17%

ROE

13.19%

Risk-Based Capital

14.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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