Call reports 2011
CARTER COUNTY BANK — 2011
What CARTER COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 276,659,000 | 271,707,000 | 270,439,000 | 270,344,000 |
| Total loans | 195,393,000 | 188,566,000 | 182,757,000 | 178,676,000 |
| Allowance for loan losses | 3,418,000 | 3,319,000 | 3,708,000 | 3,193,000 |
| Securities available for sale | 52,350,000 | 54,564,000 | 50,357,000 | 57,210,000 |
| Securities held to maturity | 1,601,000 | 1,601,000 | 1,601,000 | 1,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,625,000 | 211,585,000 | 210,748,000 | 208,271,000 |
| Interest-bearing deposits | 183,375,000 | 177,586,000 | 175,089,000 | 174,373,000 |
| Noninterest-bearing deposits | 31,250,000 | 33,999,000 | 35,659,000 | 33,898,000 |
| Equity capital | 24,358,000 | 25,431,000 | 26,063,000 | 26,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,079,000 | 6,184,000 | 9,209,000 | 12,071,000 |
| Interest expense | 735,000 | 1,423,000 | 2,064,000 | 2,659,000 |
| Net interest income | 2,344,000 | 4,761,000 | 7,145,000 | 9,412,000 |
| Noninterest income | 484,000 | 1,047,000 | 1,606,000 | 2,079,000 |
| Noninterest expense | 2,687,000 | 4,650,000 | 6,525,000 | 8,835,000 |
| Provision for loan losses | 0 | 525,000 | 1,225,000 | 1,575,000 |
| Pretax income | 141,000 | 911,000 | 1,590,000 | 1,988,000 |
| Income tax | 6,000 | 46,000 | 81,000 | 100,000 |
| Net income | 135,000 | 865,000 | 1,509,000 | 1,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,025,000 | 24,688,000 | 24,983,000 | 25,044,000 |
| Total capital | 26,431,000 | 27,049,000 | 27,298,000 | 27,280,000 |
| Risk-weighted assets | 191,412,000 | 187,889,000 | 183,745,000 | 177,900,000 |