Call reports 2017
CARTER BANK & TRUST — 2017
What CARTER BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 4,440,004,000 | 4,306,579,000 | 4,189,578,000 | 4,112,292,000 |
| Total loans | 2,731,754,000 | 2,669,771,000 | 2,684,526,000 | 2,684,962,000 |
| Allowance for loan losses | 37,953,000 | 36,500,000 | 35,645,000 | 35,318,000 |
| Securities available for sale | 0 | 0 | 882,997,000 | 947,201,000 |
| Securities held to maturity | 837,189,000 | 823,063,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,994,021,000 | 3,862,123,000 | 3,743,530,000 | 3,669,615,000 |
| Interest-bearing deposits | 3,453,123,000 | 3,298,629,000 | 3,176,182,000 | 3,139,373,000 |
| Noninterest-bearing deposits | 540,898,000 | 563,494,000 | 567,348,000 | 530,242,000 |
| Equity capital | 440,952,000 | 439,469,000 | 440,172,000 | 432,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 36,268,000 | 72,230,000 | 107,136,000 | 143,589,000 |
| Interest expense | 9,844,000 | 19,320,000 | 28,442,000 | 37,111,000 |
| Net interest income | 26,424,000 | 52,910,000 | 78,694,000 | 106,478,000 |
| Noninterest income | 2,999,000 | 5,511,000 | 8,330,000 | 1,444,000 |
| Noninterest expense | 17,771,000 | 38,245,000 | 59,025,000 | 84,123,000 |
| Provision for loan losses | 3,880,000 | 16,622,000 | 30,512,000 | 43,197,000 |
| Pretax income | 7,772,000 | 3,554,000 | -1,441,000 | -18,212,000 |
| Income tax | 1,470,000 | -1,265,000 | -5,831,000 | -17,531,000 |
| Net income | 6,302,000 | 4,819,000 | 4,390,000 | -681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 381,055,000 | 379,583,000 | 378,547,000 | 371,040,000 |
| Total capital | 419,008,000 | 416,083,000 | 414,192,000 | 406,506,000 |
| Risk-weighted assets | 3,040,008,000 | 2,968,948,000 | 2,921,217,000 | 2,893,335,000 |