Call reports 2016
CARTER BANK & TRUST — 2016
What CARTER BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,923,913,000 | 4,905,368,000 | 4,743,943,000 | 4,505,529,000 |
| Total loans | 2,612,754,000 | 2,690,278,000 | 2,657,687,000 | 2,731,783,000 |
| Allowance for loan losses | 27,849,000 | 27,920,000 | 30,993,000 | 34,500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,309,046,000 | 992,017,000 | 922,638,000 | 879,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,480,474,000 | 4,457,846,000 | 4,292,749,000 | 4,063,839,000 |
| Interest-bearing deposits | 3,941,300,000 | 3,935,822,000 | 3,751,422,000 | 3,528,916,000 |
| Noninterest-bearing deposits | 539,174,000 | 522,024,000 | 541,327,000 | 534,923,000 |
| Equity capital | 432,253,000 | 435,910,000 | 438,516,000 | 434,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 37,817,000 | 74,989,000 | 111,870,000 | 147,422,000 |
| Interest expense | 12,043,000 | 24,074,000 | 35,653,000 | 46,382,000 |
| Net interest income | 25,774,000 | 50,915,000 | 76,217,000 | 101,040,000 |
| Noninterest income | 3,325,000 | 3,747,000 | 6,589,000 | 10,147,000 |
| Noninterest expense | 16,794,000 | 33,490,000 | 52,213,000 | 75,846,000 |
| Provision for loan losses | 975,000 | 1,950,000 | 5,164,000 | 17,717,000 |
| Pretax income | 11,330,000 | 19,222,000 | 25,429,000 | 17,624,000 |
| Income tax | 3,000,000 | 4,610,000 | 5,585,000 | 1,645,000 |
| Net income | 8,330,000 | 14,612,000 | 19,844,000 | 15,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 372,433,000 | 376,098,000 | 378,713,000 | 374,855,000 |
| Total capital | 392,312,000 | 404,018,000 | 409,706,000 | 409,355,000 |
| Risk-weighted assets | 3,221,900,000 | 3,182,437,000 | 3,078,830,000 | 3,067,403,000 |