Call reports 2012
CARTER COUNTY BANK — 2012
What CARTER COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 278,653,000 | 270,403,000 | 260,675,000 | 265,828,000 |
| Total loans | 175,719,000 | 171,319,000 | 167,616,000 | 160,652,000 |
| Allowance for loan losses | 3,411,000 | 3,495,000 | 3,468,000 | 2,255,000 |
| Securities available for sale | 59,553,000 | 61,129,000 | 65,696,000 | 68,305,000 |
| Securities held to maturity | 1,629,000 | 1,629,000 | 252,000 | 252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,086,000 | 209,609,000 | 204,209,000 | 208,232,000 |
| Interest-bearing deposits | 178,873,000 | 180,397,000 | 176,645,000 | 174,806,000 |
| Noninterest-bearing deposits | 35,213,000 | 29,212,000 | 27,564,000 | 33,426,000 |
| Equity capital | 26,112,000 | 26,018,000 | 26,420,000 | 25,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,790,000 | 5,504,000 | 8,108,000 | 10,665,000 |
| Interest expense | 559,000 | 1,088,000 | 1,561,000 | 1,971,000 |
| Net interest income | 2,231,000 | 4,416,000 | 6,547,000 | 8,694,000 |
| Noninterest income | 503,000 | 1,026,000 | 1,527,000 | 2,056,000 |
| Noninterest expense | 1,935,000 | 4,482,000 | 6,783,000 | 9,586,000 |
| Provision for loan losses | 475,000 | 650,000 | 650,000 | 700,000 |
| Pretax income | 324,000 | 764,000 | 1,095,000 | 918,000 |
| Income tax | 15,000 | 37,000 | 53,000 | 43,000 |
| Net income | 309,000 | 727,000 | 1,042,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,035,000 | 25,174,000 | 25,171,000 | 24,690,000 |
| Total capital | 27,268,000 | 27,342,000 | 27,306,000 | 26,756,000 |
| Risk-weighted assets | 177,462,000 | 172,054,000 | 169,430,000 | 165,103,000 |