Call reports 2025
CARTER BANK & TRUST — 2025
What CARTER BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,693,568,000 | 4,780,209,000 | 4,836,361,000 | 4,831,021,000 |
| Total loans | 3,687,495,000 | 3,747,367,000 | 3,836,131,000 | 3,879,899,000 |
| Allowance for loan losses | 73,518,000 | 71,023,000 | 73,762,000 | 71,491,000 |
| Securities available for sale | 745,390,000 | 755,212,000 | 727,903,000 | 691,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,871,000 | 11,925,000 | 10,978,000 | 10,182,000 |
| Total deposits | 4,201,633,000 | 4,229,503,000 | 4,215,694,000 | 4,212,234,000 |
| Interest-bearing deposits | 4,052,641,000 | 4,067,045,000 | 4,054,113,000 | 4,044,079,000 |
| Noninterest-bearing deposits | 148,992,000 | 162,458,000 | 161,581,000 | 168,155,000 |
| Equity capital | 394,340,000 | 394,745,000 | 404,226,000 | 397,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 56,007,000 | 113,754,000 | 172,924,000 | 232,222,000 |
| Interest expense | 25,869,000 | 51,257,000 | 76,708,000 | 101,402,000 |
| Net interest income | 30,138,000 | 62,497,000 | 96,216,000 | 130,820,000 |
| Noninterest income | 6,952,000 | 11,963,000 | 17,705,000 | 22,506,000 |
| Noninterest expense | 27,480,000 | 55,931,000 | 84,171,000 | 114,512,000 |
| Provision for loan losses | -2,025,000 | -4,355,000 | -1,459,000 | -3,637,000 |
| Pretax income | 11,886,000 | 23,492,000 | 31,551,000 | 42,941,000 |
| Income tax | 2,339,000 | 4,663,000 | 6,588,000 | 8,711,000 |
| Net income | 9,547,000 | 18,829,000 | 24,963,000 | 34,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 450,713,000 | 444,729,000 | 448,086,000 | 437,670,000 |
| Total capital | 502,932,000 | 497,360,000 | 501,899,000 | 491,396,000 |
| Risk-weighted assets | 4,153,120,000 | 4,189,341,000 | 4,281,981,000 | 4,277,314,000 |