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Chelsea captain John Terry was found guilty of racially abusing Anton Ferdinand because the Football Association was "satisfied" his comments were meant an insult. In a 63-page report, the FA explained its decision to ban the 31-year-old for four games and fine him �220,000. The document states Terry's defence was "not credible". It was alleged Terry, who has 14 days to appeal, described Ferdinand as "black" and using extreme swear words during the QPR v Chelsea game at Loftus Road on October 23rd, 2011. Terry did not deny using the word "black" and swearing at Ferdinand - his defence was that he had thought Ferdinand was accusing him of using the words, and when caught on camera had claimed he was simply repeating them. The FA report said: "The commission is entitled to use its collective experience of life and people to judge demeanour. "We have watched the film footage many times. In the critical phase, during which he uses the words, Mr Terry can be seen to be smiling initially, before his facial expression changes to disdainful and contemptuous. "At no point is his demeanour and facial expression that of someone who is imploring, injured, or even quizzical in the face of an unfounded allegation by Mr Ferdinand that he had just been racially abusive towards him. "Anger is a conceivable reaction to such an accusation, but at no time does Mr. Terry convey any sense of 'no, I didn't' with his facial expression, or body language." The report added: "In the light of those findings, the commission is quite satisfied, on the balance of probabilities, that there is no credible basis for Mr Terry's defence that his use of the words were directed at Ferdinand by way of forceful rejection and/or inquiry. "Instead, we are quite satisfied, and find on the balance of probabilities, that the offending words were said by way of insult."