Call reports 2013
CARTER BANK & TRUST — 2013
What CARTER BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,624,493,000 | 4,630,487,000 | 4,629,304,000 | 4,661,811,000 |
| Total loans | 1,946,374,000 | 1,955,743,000 | 1,963,225,000 | 2,014,666,000 |
| Allowance for loan losses | 19,895,000 | 20,583,000 | 21,162,000 | 21,392,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,844,016,000 | 1,952,530,000 | 1,941,388,000 | 1,920,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,241,060,000 | 4,244,291,000 | 4,237,267,000 | 4,269,653,000 |
| Interest-bearing deposits | 3,789,766,000 | 3,827,241,000 | 3,816,240,000 | 3,835,480,000 |
| Noninterest-bearing deposits | 451,294,000 | 417,050,000 | 421,027,000 | 434,173,000 |
| Equity capital | 363,805,000 | 367,261,000 | 371,215,000 | 374,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 37,863,000 | 74,282,000 | 111,157,000 | 147,288,000 |
| Interest expense | 13,739,000 | 27,586,000 | 40,573,000 | 52,788,000 |
| Net interest income | 24,124,000 | 46,696,000 | 70,584,000 | 94,500,000 |
| Noninterest income | 3,150,000 | 6,238,000 | 9,063,000 | 12,742,000 |
| Noninterest expense | 17,291,000 | 34,328,000 | 51,727,000 | 69,505,000 |
| Provision for loan losses | 675,000 | 1,350,000 | 2,025,000 | 2,700,000 |
| Pretax income | 9,427,000 | 17,375,000 | 26,014,000 | 35,156,000 |
| Income tax | 2,360,000 | 4,226,000 | 6,286,000 | 9,080,000 |
| Net income | 7,067,000 | 13,149,000 | 19,728,000 | 26,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 293,862,000 | 298,531,000 | 303,698,000 | 307,524,000 |
| Total capital | 313,757,000 | 319,114,000 | 324,860,000 | 328,916,000 |
| Risk-weighted assets | 2,707,244,000 | 2,747,509,000 | 2,742,595,000 | 2,745,301,000 |