Carter Bankshares, Inc. (CARE) Quarterly Income Statement

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Carter Bankshares, Inc. (CARE) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CARE Income Statement

Carter Bankshares, Inc. (CARE) annual income statement — 19-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	41.23M	39.95M	35.93M	34.6M	33.58M	32.22M	30.03M	29.03M	28.59M	27.79M	28.04M	26.93M	26.98M	26.4M	40.55M	41.43M	37.7M	32.44M	28.2M	28.03M
NII Growth %	22.81%	24%	19.68%	19.21%	17.44%	15.95%	7.08%	7.77%	5.97%	5.27%	-30.84%	-34.99%	-28.44%	-18.62%	43.77%	47.84%	28.36%	19.38%	6.45%	7.36%
Net Interest Margin %	0.87%	0.83%	0.75%	0.71%	0.69%	0.67%	0.64%	0.62%	0.62%	0.61%	0.62%	0.6%	0.61%	0.6%	0.93%	0.99%	0.92%	0.79%	0.68%	0.68%
Interest Income	62.09M	61.49M	59.19M	59.3M	59.03M	57.61M	55.9M	56.38M	56.38M	54.28M	53.67M	51.38M	48.47M	43.4M	51.72M	48.13M	42.3M	36.94M	32.66M	32.91M
Interest Expense	20.85M	21.54M	23.25M	24.69M	25.45M	25.39M	25.87M	27.35M	27.8M	26.49M	25.63M	24.44M	21.49M	17M	11.17M	6.69M	4.6M	4.5M	4.46M	4.88M
Loan Loss Provision	10.33M	1.46M	-34.13M	-2.26M	3.23M	-2.67M	-2.14M	-5.03M	-241K	255K	-27K	3.48M	975K	445K	1.5M	371K	80K	2.08M	394K	615K
Non-Interest Income	4.98M	28.73M	70.97M	5.22M	4.55M	4.06M	6.02M	4.52M	4.74M	5.03M	4.67M	1.82M	4.87M	4.57M	4.5M	4.73M	4.47M	4.97M	4.34M	4.87M
Non-Interest Income %	10.78%	41.83%	66.39%	13.12%	11.95%	11.18%	16.7%	13.47%	14.23%	15.32%	14.27%	6.33%	15.29%	14.76%	9.98%	10.25%	10.59%	13.28%	13.33%	14.8%
Total Net Revenue	46.22M	68.68M	106.91M	39.83M	38.13M	36.28M	36.05M	33.55M	33.33M	32.82M	32.71M	28.76M	31.85M	30.97M	45.04M	46.17M	42.17M	37.4M	32.54M	32.9M
Revenue Growth %	21.21%	89.33%	196.58%	18.73%	14.4%	10.54%	10.21%	16.66%	4.66%	5.97%	-27.38%	-37.71%	-24.47%	-17.21%	38.41%	40.35%	20.45%	20.17%	-6.05%	4.13%
Non-Interest Expense	29.5M	29.99M	31.01M	31M	27.75M	28.31M	27.05M	27.9M	26.54M	26.64M	25.5M	27.16M	26.47M	24.77M	23.1M	26.72M	22.67M	22.75M	21.5M	25.3M
Efficiency Ratio	63.84%	43.66%	29.01%	77.84%	72.76%	78.05%	75.04%	83.16%	79.64%	81.17%	77.97%	94.46%	83.1%	79.97%	51.28%	57.87%	53.76%	60.83%	66.06%	76.93%
Operating Income	6.38M	37.24M	110.03M	11.08M	7.15M	10.63M	11.14M	10.68M	7.03M	5.92M	7.23M	-1.89M	4.41M	5.76M	20.45M	19.08M	19.42M	12.57M	10.65M	6.97M
Operating Margin %	13.8%	54.22%	102.92%	27.83%	18.76%	29.3%	30.89%	31.85%	21.09%	18.05%	22.12%	-6.57%	13.84%	18.59%	45.39%	41.32%	46.05%	33.61%	32.73%	21.2%
Operating Income Growth %	-10.83%	250.38%	888.07%	3.74%	1.79%	79.41%	53.94%	665.54%	59.47%	2.88%	-64.62%	-109.9%	-77.3%	-54.19%	91.94%	173.52%	60.42%	98.96%	3.41%	126.46%
Pretax Income	6.38M	37.24M	110.03M	11.08M	7.15M	10.63M	11.14M	10.68M	7.03M	5.92M	7.23M	-1.89M	4.41M	5.76M	20.45M	19.08M	19.42M	12.57M	10.65M	6.97M
Pretax Margin %	13.8%	54.22%	102.92%	27.83%	18.76%	29.3%	30.89%	31.85%	21.09%	18.05%	22.12%	-6.57%	13.84%	18.59%	45.39%	41.32%	46.05%	33.61%	32.73%	21.2%
Income Tax	-1.38M	8.33M	24.27M	2.6M	1.74M	2.12M	2.18M	2.4M	1.4M	1.12M	1.42M	-1K	780K	54K	4.5M	3.47M	5.01M	1.79M	1.33M	1.36M
Effective Tax Rate %	-21.66%	22.36%	22.06%	23.49%	24.25%	19.93%	19.6%	22.49%	19.91%	18.92%	19.67%	0.05%	17.7%	0.94%	22.03%	18.18%	25.8%	14.26%	12.48%	19.57%
Net Income	7.76M	28.91M	85.76M	8.48M	5.42M	8.51M	8.95M	8.28M	5.63M	4.8M	5.81M	-1.89M	3.63M	5.7M	15.94M	15.61M	14.41M	10.78M	9.32M	5.61M
Net Margin %	16.79%	42.1%	80.22%	21.29%	14.21%	23.46%	24.84%	24.68%	16.89%	14.64%	17.77%	-6.57%	11.39%	18.42%	35.39%	33.81%	34.17%	28.82%	28.65%	17.05%
Net Income Growth %	43.22%	239.73%	857.86%	2.42%	-3.73%	77.18%	54.07%	538.56%	55.2%	-15.8%	-63.55%	-112.1%	-74.83%	-47.08%	70.99%	178.24%	28.95%	98.42%	-0.55%	90.69%
Net Income (Continuing)	7.76M	28.91M	85.76M	8.48M	5.42M	8.51M	8.95M	8.28M	5.63M	4.8M	5.81M	-1.89M	3.63M	5.7M	15.94M	15.61M	14.41M	10.78M	9.32M	5.61M
EPS (Diluted)	0.36	1.32	3.93	0.39	0.24	0.37	0.39	0.36	0.24	0.21	0.25	-0.08	0.16	0.24	0.67	0.65	0.59	0.44	0.36	0.21
EPS Growth %	50%	256.76%	907.69%	8.33%	0%	76.19%	56%	540.1%	50%	-12.5%	-62.69%	-112.58%	-72.88%	-45.45%	86.11%	209.52%	40.48%	109.52%	0%	90.91%
EPS (Basic)	0.36	1.32	3.93	0.39	0.24	0.37	0.39	0.36	0.24	0.21	0.25	-0.08	0.16	0.24	0.67	0.65	0.59	0.44	0.36	0.21
Diluted Shares Outstanding	21.8M	21.84M	21.85M	21.86M	22.29M	22.81M	22.87M	23.24M	23.07M	22.83M	22.77M	22.96M	22.95M	23.51M	23.77M	23.91M	24.27M	24.49M	25.74M	26.35M