Call reports 2012
CARTER BANK & TRUST — 2012
What CARTER BANK & TRUST 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 | 4,273,123,000 | 4,297,119,000 | 4,307,500,000 | 4,442,297,000 |
| Total loans | 1,974,453,000 | 1,972,213,000 | 1,949,090,000 | 1,914,994,000 |
| Allowance for loan losses | 17,745,000 | 18,308,000 | 18,872,000 | 19,371,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,254,445,000 | 1,391,156,000 | 1,505,834,000 | 1,760,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,906,213,000 | 3,926,430,000 | 3,930,757,000 | 4,060,996,000 |
| Interest-bearing deposits | 3,276,485,000 | 3,364,629,000 | 3,471,229,000 | 3,603,796,000 |
| Noninterest-bearing deposits | 629,728,000 | 561,801,000 | 459,528,000 | 457,200,000 |
| Equity capital | 345,064,000 | 350,000,000 | 355,721,000 | 359,364,000 |
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 | 38,928,000 | 78,116,000 | 118,310,000 | 156,822,000 |
| Interest expense | 13,828,000 | 27,992,000 | 42,296,000 | 56,499,000 |
| Net interest income | 25,100,000 | 50,124,000 | 76,014,000 | 100,323,000 |
| Noninterest income | 3,203,000 | 5,862,000 | 8,605,000 | 12,767,000 |
| Noninterest expense | 16,838,000 | 33,830,000 | 50,542,000 | 69,568,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 10,865,000 | 20,956,000 | 32,277,000 | 41,122,000 |
| Income tax | 2,696,000 | 5,225,000 | 8,200,000 | 10,775,000 |
| Net income | 8,169,000 | 15,731,000 | 24,077,000 | 30,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,245,000 | 276,402,000 | 283,344,000 | 288,208,000 |
| Total capital | 287,990,000 | 294,710,000 | 302,216,000 | 307,579,000 |
| Risk-weighted assets | 2,504,447,000 | 2,519,855,000 | 2,541,592,000 | 2,586,356,000 |
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