Call reports 2010
CARTER BANK & TRUST — 2010
What CARTER BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 3,523,103,000 | 3,610,676,000 | 3,616,844,000 | 3,706,069,000 |
| Total loans | 1,836,211,000 | 1,857,057,000 | 1,881,665,000 | 1,818,643,000 |
| Allowance for loan losses | 14,611,000 | 14,902,000 | 15,064,000 | 15,443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 952,854,000 | 846,531,000 | 910,767,000 | 1,075,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,183,409,000 | 3,268,405,000 | 3,269,226,000 | 3,355,137,000 |
| Interest-bearing deposits | 2,823,951,000 | 2,896,074,000 | 2,914,762,000 | 2,999,332,000 |
| Noninterest-bearing deposits | 359,458,000 | 372,331,000 | 354,464,000 | 355,805,000 |
| Equity capital | 311,225,000 | 314,129,000 | 317,682,000 | 319,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 38,882,000 | 78,624,000 | 117,450,000 | 156,491,000 |
| Interest expense | 17,095,000 | 33,895,000 | 50,930,000 | 67,226,000 |
| Net interest income | 21,787,000 | 44,729,000 | 66,520,000 | 89,265,000 |
| Noninterest income | 2,447,000 | 4,459,000 | 7,420,000 | 9,658,000 |
| Noninterest expense | 16,717,000 | 35,073,000 | 52,421,000 | 70,365,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 7,142,000 | 13,365,000 | 20,394,000 | 27,058,000 |
| Income tax | 940,000 | 1,634,000 | 2,485,000 | 4,275,000 |
| Net income | 6,202,000 | 11,731,000 | 17,909,000 | 22,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 227,769,000 | 231,839,000 | 236,557,000 | 239,968,000 |
| Total capital | 242,380,000 | 246,741,000 | 251,621,000 | 255,411,000 |
| Risk-weighted assets | 2,109,974,000 | 2,119,302,000 | 2,172,149,000 | 2,191,737,000 |
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