Institution Statistics
| Carter Bank & Trust | | FDIC Certificate # | 58596 | | BankRate Report | View | | Year Established | 2006 | | Employees | 998 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $3.97 billion | | Loans | $1.93 billion | | Deposits | $3.61 billion | | Equity Capital | $339.52 million | | Loan Loss Allowance | $17.18 million | | Unbacked Noncurrent Loans | $16.68 million | | Real Estate Owned | $14.08 million |
Historic Data - December 2010 | | Assets | $3.71 billion | | Equity Capital | $319.93 million | | Loan Loss Allowance | $15.44 million | | Unbacked Noncurrent Loans | $16.46 million | | Real Estate Owned | $14.86 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.78% | | Return on Assets | 0.79% | | Return on Equity | 9.14% | | Interest Income | $152.94 million |
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Institution Health
Overall Score:
4 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Carter Bank & Trust had $30.76 million in non-current loans and owned real-estate with $356.7 million in equity and loan loss allowances on hand to cover it. This gives Carter Bank & Trust a Texas Ratio of 8.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Carter Bank & Trust held steady from 9.34% as of December 31, 2010 to 8.62% as of December 31, 2011, resulting in a positive change of 7.65%.This indicates that the balance sheet and financial strength for Carter Bank & Trust has held steady in recent periods. | | Deposit Growth |  | | In the past year, Carter Bank & Trust has increased its total deposits by $254.85 million, resulting in 7.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carter Bank & Trust has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carter Bank & Trust has $3.97 billion in assets with $356.7 million in equity, resulting in a capitalization level of 8.98%, which is average. |
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