Call reports 2007
CARTER BANK & TRUST — 2007
What CARTER BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,663,488,000 | 2,647,618,000 | 2,568,800,000 | 2,653,589,000 |
| Total loans | 1,369,828,000 | 1,382,768,000 | 1,412,310,000 | 1,449,430,000 |
| Allowance for loan losses | 13,082,000 | 13,250,000 | 13,391,000 | 13,364,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 397,386,000 | 592,557,000 | 552,880,000 | 443,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,344,822,000 | 2,327,307,000 | 2,244,619,000 | 2,334,604,000 |
| Interest-bearing deposits | 1,962,636,000 | 1,951,641,000 | 1,888,810,000 | 1,931,288,000 |
| Noninterest-bearing deposits | 382,186,000 | 375,666,000 | 355,809,000 | 403,316,000 |
| Equity capital | 290,185,000 | 291,090,000 | 292,176,000 | 292,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 36,719,000 | 73,795,000 | 110,883,000 | 147,644,000 |
| Interest expense | 18,809,000 | 37,953,000 | 56,695,000 | 75,688,000 |
| Net interest income | 17,910,000 | 35,842,000 | 54,188,000 | 71,956,000 |
| Noninterest income | 2,309,000 | 4,348,000 | 6,935,000 | 9,575,000 |
| Noninterest expense | 15,704,000 | 31,179,000 | 47,419,000 | 64,382,000 |
| Provision for loan losses | 216,000 | 432,000 | 648,000 | 864,000 |
| Pretax income | 4,299,000 | 8,579,000 | 13,056,000 | 16,285,000 |
| Income tax | 861,000 | 1,736,000 | 2,627,000 | 3,116,000 |
| Net income | 3,438,000 | 6,843,000 | 10,429,000 | 13,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,635,000 | 194,342,000 | 196,594,000 | 198,000,000 |
| Total capital | 205,717,000 | 207,592,000 | 209,985,000 | 211,364,000 |
| Risk-weighted assets | 1,517,659,000 | 1,513,286,000 | 1,511,116,000 | 1,543,007,000 |