Call reports 2009
CARTER BANK & TRUST — 2009
What CARTER BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,935,876,000 | 3,024,656,000 | 3,184,703,000 | 3,388,923,000 |
| Total loans | 1,629,755,000 | 1,745,361,000 | 1,776,279,000 | 1,787,399,000 |
| Allowance for loan losses | 13,955,000 | 13,827,000 | 14,048,000 | 14,296,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 813,253,000 | 735,463,000 | 763,472,000 | 1,053,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,605,439,000 | 2,689,586,000 | 2,848,552,000 | 3,053,352,000 |
| Interest-bearing deposits | 2,262,551,000 | 2,350,735,000 | 2,490,304,000 | 2,701,388,000 |
| Noninterest-bearing deposits | 342,888,000 | 338,851,000 | 358,248,000 | 351,964,000 |
| Equity capital | 304,695,000 | 305,843,000 | 307,056,000 | 307,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 36,639,000 | 74,266,000 | 111,387,000 | 148,946,000 |
| Interest expense | 17,675,000 | 35,490,000 | 53,568,000 | 71,281,000 |
| Net interest income | 18,964,000 | 38,776,000 | 57,819,000 | 77,665,000 |
| Noninterest income | 2,501,000 | 4,426,000 | 6,417,000 | 9,166,000 |
| Noninterest expense | 15,753,000 | 32,792,000 | 49,063,000 | 67,520,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 5,412,000 | 9,810,000 | 14,273,000 | 18,111,000 |
| Income tax | 623,000 | 1,246,000 | 1,869,000 | 2,490,000 |
| Net income | 4,789,000 | 8,564,000 | 12,404,000 | 15,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 216,578,000 | 218,891,000 | 221,270,000 | 223,027,000 |
| Total capital | 230,533,000 | 232,718,000 | 235,318,000 | 237,323,000 |
| Risk-weighted assets | 1,915,096,000 | 1,949,706,000 | 1,961,431,000 | 2,032,039,000 |