Call reports 2005
CARROLL BANK AND TRUST — 2005
What CARROLL BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 157,826,000 | 156,037,000 | 155,704,000 | 156,315,000 |
| Total loans | 93,843,000 | 97,166,000 | 97,827,000 | 94,242,000 |
| Allowance for loan losses | 1,420,000 | 1,377,000 | 1,216,000 | 1,180,000 |
| Securities available for sale | 43,428,000 | 43,683,000 | 43,814,000 | 43,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,416,000 | 135,296,000 | 130,000,000 | 132,531,000 |
| Interest-bearing deposits | 120,569,000 | 118,067,000 | 113,262,000 | 113,200,000 |
| Noninterest-bearing deposits | 16,847,000 | 17,229,000 | 16,738,000 | 19,331,000 |
| Equity capital | 16,112,000 | 16,667,000 | 16,801,000 | 17,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,177,000 | 4,425,000 | 6,711,000 | 9,040,000 |
| Interest expense | 590,000 | 1,257,000 | 2,018,000 | 2,853,000 |
| Net interest income | 1,587,000 | 3,168,000 | 4,693,000 | 6,187,000 |
| Noninterest income | 267,000 | 545,000 | 829,000 | 1,144,000 |
| Noninterest expense | 1,106,000 | 2,263,000 | 3,395,000 | 4,538,000 |
| Provision for loan losses | 20,000 | 47,000 | 52,000 | 52,000 |
| Pretax income | 728,000 | 1,403,000 | 2,075,000 | 2,741,000 |
| Income tax | 248,000 | 495,000 | 742,000 | 1,007,000 |
| Net income | 480,000 | 908,000 | 1,333,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,641,000 | 16,949,000 | 17,254,000 | 17,569,000 |
| Total capital | 17,929,000 | 18,268,000 | 18,470,000 | 18,749,000 |
| Risk-weighted assets | 102,946,000 | 105,492,000 | 106,661,000 | 102,714,000 |
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