Call reports 2015
CARTER BANK & TRUST — 2015
What CARTER BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,701,173,000 | 4,796,721,000 | 4,908,264,000 | 4,893,968,000 |
| Total loans | 2,343,871,000 | 2,487,954,000 | 2,538,008,000 | 2,626,667,000 |
| Allowance for loan losses | 24,941,000 | 25,754,000 | 26,401,000 | 26,990,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,751,099,000 | 1,597,163,000 | 1,450,684,000 | 1,422,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,284,023,000 | 4,373,057,000 | 4,477,270,000 | 4,454,561,000 |
| Interest-bearing deposits | 3,809,362,000 | 3,898,869,000 | 3,982,734,000 | 3,920,556,000 |
| Noninterest-bearing deposits | 474,661,000 | 474,188,000 | 494,536,000 | 534,005,000 |
| Equity capital | 403,719,000 | 410,027,000 | 416,882,000 | 426,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 37,658,000 | 75,731,000 | 113,788,000 | 152,377,000 |
| Interest expense | 11,238,000 | 22,977,000 | 35,233,000 | 47,797,000 |
| Net interest income | 26,420,000 | 52,754,000 | 78,555,000 | 104,580,000 |
| Noninterest income | 3,437,000 | 7,040,000 | 10,498,000 | 14,437,000 |
| Noninterest expense | 17,863,000 | 35,010,000 | 50,853,000 | 66,318,000 |
| Provision for loan losses | 825,000 | 1,650,000 | 2,475,000 | 3,300,000 |
| Pretax income | 11,169,000 | 23,134,000 | 35,725,000 | 49,399,000 |
| Income tax | 2,719,000 | 5,749,000 | 8,859,000 | 10,241,000 |
| Net income | 8,450,000 | 17,385,000 | 26,866,000 | 39,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 342,614,000 | 350,182,000 | 357,046,000 | 366,721,000 |
| Total capital | 365,878,000 | 375,936,000 | 373,112,000 | 388,216,000 |
| Risk-weighted assets | 3,056,583,000 | 3,090,415,000 | 3,096,980,000 | 3,226,924,000 |
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