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Company Description (as filed with the SEC)
Item 1. Business General Overview Carolina Financial Corporation is a Delaware corporation that was organized in February 1997 to serve as a bank holding company. It operates principally through CresCom Bank, a South Carolina state-chartered bank. CresCom Bank operates Crescent Mortgage Company, a wholly-owned subsidiary of CresCom Bank. Except where the context otherwise requires, the "Company", "we", "us" and "our" refer to Carolina Financial Corporation and its consolidated subsidiaries and the "Bank" refers to CresCom Bank. We offer a variety of traditional community banking services to individuals and businesses. Our product line includes loans to small and medium-sized businesses, residential and commercial construction and development loans, commercial real estate loans, residential mortgage loans, residential lot loans, home equity loans, consumer loans and a variety of commercial and consumer demand, savings and time deposit products. ... More ...