Call reports 2021
CARTER BANK & TRUST — 2021
What CARTER BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 4,142,130,000 | 4,120,513,000 | 4,133,700,000 | 4,133,175,000 |
| Total loans | 3,014,035,000 | 2,925,965,000 | 2,889,046,000 | 2,812,357,000 |
| Allowance for loan losses | 116,872,000 | 109,319,000 | 99,294,000 | 95,939,000 |
| Securities available for sale | 780,032,000 | 843,538,000 | 897,546,000 | 922,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,295,000 | 2,772,000 | 3,351,000 | 3,508,000 |
| Total deposits | 3,691,828,000 | 3,660,227,000 | 3,667,138,000 | 3,703,618,000 |
| Interest-bearing deposits | 2,949,220,000 | 3,606,432,000 | 3,617,289,000 | 3,640,602,000 |
| Noninterest-bearing deposits | 742,608,000 | 53,795,000 | 49,849,000 | 63,016,000 |
| Equity capital | 387,582,000 | 398,221,000 | 404,842,000 | 402,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 32,957,000 | 66,051,000 | 100,964,000 | 133,897,000 |
| Interest expense | 6,428,000 | 12,319,000 | 17,831,000 | 22,714,000 |
| Net interest income | 26,529,000 | 53,732,000 | 83,133,000 | 111,183,000 |
| Noninterest income | 5,401,000 | 8,894,000 | 14,074,000 | 19,358,000 |
| Noninterest expense | 23,142,000 | 47,944,000 | 71,741,000 | 97,393,000 |
| Provision for loan losses | 1,858,000 | 2,824,000 | 2,411,000 | 3,350,000 |
| Pretax income | 10,823,000 | 17,852,000 | 30,450,000 | 37,936,000 |
| Income tax | 926,000 | 1,812,000 | 3,105,000 | 4,554,000 |
| Net income | 9,897,000 | 16,040,000 | 27,345,000 | 33,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 421,048,000 | 426,191,000 | 437,496,000 | 438,533,000 |
| Total capital | 462,310,000 | 466,328,000 | 477,229,000 | 477,710,000 |
| Risk-weighted assets | 3,270,973,000 | 3,188,025,000 | 3,165,372,000 | 3,124,010,000 |