Call reports 2019
CARTER BANK & TRUST — 2019
What CARTER BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 4,097,982,000 | 4,062,908,000 | 4,020,076,000 | 4,006,108,000 |
| Total loans | 2,851,891,000 | 2,875,302,000 | 2,924,215,000 | 2,904,480,000 |
| Allowance for loan losses | 39,572,000 | 40,008,000 | 40,331,000 | 38,762,000 |
| Securities available for sale | 798,669,000 | 803,673,000 | 734,453,000 | 742,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 415,000 | 639,000 | 772,000 | 625,000 |
| Total deposits | 3,618,266,000 | 3,577,480,000 | 3,521,981,000 | 3,504,245,000 |
| Interest-bearing deposits | 3,058,342,000 | 3,006,059,000 | 2,955,155,000 | 2,949,370,000 |
| Noninterest-bearing deposits | 559,924,000 | 571,421,000 | 566,826,000 | 554,875,000 |
| Equity capital | 449,769,000 | 464,233,000 | 474,048,000 | 473,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 39,133,000 | 79,207,000 | 119,361,000 | 159,120,000 |
| Interest expense | 11,243,000 | 23,356,000 | 35,440,000 | 46,773,000 |
| Net interest income | 27,890,000 | 55,851,000 | 83,921,000 | 112,347,000 |
| Noninterest income | 3,412,000 | 6,998,000 | 10,170,000 | 9,745,000 |
| Noninterest expense | 21,743,000 | 44,499,000 | 66,951,000 | 93,109,000 |
| Provision for loan losses | 1,627,000 | 2,996,000 | 4,386,000 | 3,404,000 |
| Pretax income | 7,963,000 | 16,294,000 | 24,353,000 | 27,784,000 |
| Income tax | 422,000 | 926,000 | 1,384,000 | 1,209,000 |
| Net income | 7,541,000 | 15,368,000 | 22,969,000 | 26,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 394,892,000 | 402,824,000 | 410,541,000 | 410,793,000 |
| Total capital | 431,197,000 | 440,628,000 | 448,713,000 | 448,622,000 |
| Risk-weighted assets | 2,900,784,000 | 3,021,599,000 | 3,050,911,000 | 3,025,024,000 |
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