Call reports 2011
CARTER BANK & TRUST — 2011
What CARTER BANK & TRUST 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 | 3,732,407,000 | 3,713,694,000 | 3,839,300,000 | 3,970,407,000 |
| Total loans | 1,817,539,000 | 1,865,984,000 | 1,862,525,000 | 1,943,784,000 |
| Allowance for loan losses | 15,846,000 | 16,276,000 | 16,572,000 | 17,176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,077,136,000 | 1,046,658,000 | 920,792,000 | 1,139,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,378,865,000 | 3,355,676,000 | 3,481,462,000 | 3,609,989,000 |
| Interest-bearing deposits | 3,015,167,000 | 2,919,269,000 | 2,972,497,000 | 3,108,283,000 |
| Noninterest-bearing deposits | 363,698,000 | 436,407,000 | 508,965,000 | 501,706,000 |
| Equity capital | 323,694,000 | 328,844,000 | 333,549,000 | 339,521,000 |
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 | 37,888,000 | 76,253,000 | 114,370,000 | 152,941,000 |
| Interest expense | 15,055,000 | 29,480,000 | 43,078,000 | 56,652,000 |
| Net interest income | 22,833,000 | 46,773,000 | 71,292,000 | 96,289,000 |
| Noninterest income | 2,945,000 | 5,989,000 | 8,304,000 | 11,497,000 |
| Noninterest expense | 17,597,000 | 35,170,000 | 51,588,000 | 68,621,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 7,731,000 | 17,607,000 | 27,573,000 | 38,280,000 |
| Income tax | 1,340,000 | 3,440,000 | 6,075,000 | 8,185,000 |
| Net income | 6,391,000 | 14,167,000 | 21,498,000 | 30,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 244,899,000 | 251,214,000 | 256,288,000 | 263,482,000 |
| Total capital | 260,745,000 | 267,490,000 | 272,860,000 | 280,658,000 |
| Risk-weighted assets | 2,202,566,000 | 2,217,788,000 | 2,194,463,000 | 2,408,181,000 |