Call reports 2015
CARROLL COMMUNITY BANK — 2015
What CARROLL COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 120,236,000 | 128,026,000 | 136,173,000 | 151,288,000 |
| Total loans | 98,667,000 | 104,853,000 | 111,721,000 | 129,285,000 |
| Allowance for loan losses | 761,000 | 800,000 | 842,000 | 901,000 |
| Securities available for sale | 6,787,000 | 6,215,000 | 5,435,000 | 4,812,000 |
| Securities held to maturity | 1,256,000 | 1,256,000 | 1,256,000 | 2,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,777,000 | 98,946,000 | 105,477,000 | 122,402,000 |
| Interest-bearing deposits | 87,532,000 | 90,603,000 | 97,639,000 | 113,382,000 |
| Noninterest-bearing deposits | 7,245,000 | 8,343,000 | 7,838,000 | 9,020,000 |
| Equity capital | 15,422,000 | 15,478,000 | 15,584,000 | 15,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,187,000 | 2,430,000 | 3,771,000 | 5,266,000 |
| Interest expense | 159,000 | 315,000 | 480,000 | 687,000 |
| Net interest income | 1,028,000 | 2,115,000 | 3,291,000 | 4,579,000 |
| Noninterest income | 38,000 | 78,000 | 121,000 | 167,000 |
| Noninterest expense | 956,000 | 1,941,000 | 2,992,000 | 4,169,000 |
| Provision for loan losses | 29,000 | 58,000 | 93,000 | 164,000 |
| Pretax income | 81,000 | 194,000 | 328,000 | 418,000 |
| Income tax | 27,000 | 66,000 | 121,000 | 153,000 |
| Net income | 54,000 | 128,000 | 207,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,392,000 | 15,478,000 | 15,569,000 | 15,683,000 |
| Total capital | 16,153,000 | 16,278,000 | 16,411,000 | 16,584,000 |
| Risk-weighted assets | 84,498,000 | 89,901,000 | 95,777,000 | 103,773,000 |