Call reports 2014
CARTER BANK & TRUST — 2014
What CARTER BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 4,626,690,000 | 4,653,337,000 | 4,678,837,000 | 4,629,941,000 |
| Total loans | 2,134,236,000 | 2,206,168,000 | 2,262,465,000 | 2,320,621,000 |
| Allowance for loan losses | 22,119,000 | 22,782,000 | 23,477,000 | 24,142,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,903,517,000 | 1,879,023,000 | 1,854,320,000 | 1,828,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,227,886,000 | 4,249,177,000 | 4,271,528,000 | 4,213,957,000 |
| Interest-bearing deposits | 3,740,235,000 | 3,806,007,000 | 3,825,133,000 | 3,755,691,000 |
| Noninterest-bearing deposits | 487,651,000 | 443,170,000 | 446,395,000 | 458,266,000 |
| Equity capital | 379,846,000 | 385,682,000 | 390,908,000 | 397,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 36,272,000 | 73,427,000 | 109,617,000 | 146,727,000 |
| Interest expense | 11,708,000 | 23,067,000 | 34,272,000 | 45,330,000 |
| Net interest income | 24,564,000 | 50,360,000 | 75,345,000 | 101,397,000 |
| Noninterest income | 3,370,000 | 7,073,000 | 10,475,000 | 14,604,000 |
| Noninterest expense | 17,237,000 | 34,721,000 | 51,964,000 | 69,716,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 3,000,000 |
| Pretax income | 9,947,000 | 21,212,000 | 31,606,000 | 43,285,000 |
| Income tax | 2,412,000 | 5,215,000 | 7,758,000 | 9,825,000 |
| Net income | 7,535,000 | 15,997,000 | 23,848,000 | 33,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 313,651,000 | 320,697,000 | 327,134,000 | 335,339,000 |
| Total capital | 335,770,000 | 343,479,000 | 350,611,000 | 359,481,000 |
| Risk-weighted assets | 2,852,228,000 | 2,884,055,000 | 2,909,677,000 | 2,978,659,000 |
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