Call reports 2007
CARROLL BANK AND TRUST — 2007
What CARROLL BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 161,551,000 | 166,361,000 | 166,147,000 | 169,808,000 |
| Total loans | 103,766,000 | 109,738,000 | 112,733,000 | 114,710,000 |
| Allowance for loan losses | 841,000 | 821,000 | 779,000 | 794,000 |
| Securities available for sale | 36,965,000 | 36,300,000 | 31,820,000 | 26,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,813,000 | 141,604,000 | 141,725,000 | 147,859,000 |
| Interest-bearing deposits | 121,526,000 | 122,410,000 | 123,465,000 | 127,790,000 |
| Noninterest-bearing deposits | 19,287,000 | 19,194,000 | 18,260,000 | 20,069,000 |
| Equity capital | 17,648,000 | 17,612,000 | 18,025,000 | 18,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,628,000 | 5,341,000 | 8,131,000 | 10,926,000 |
| Interest expense | 1,160,000 | 2,347,000 | 3,693,000 | 4,991,000 |
| Net interest income | 1,468,000 | 2,994,000 | 4,438,000 | 5,935,000 |
| Noninterest income | 300,000 | 658,000 | 1,014,000 | 1,387,000 |
| Noninterest expense | 1,275,000 | 2,561,000 | 3,919,000 | 5,358,000 |
| Provision for loan losses | 0 | 0 | 24,000 | 95,000 |
| Pretax income | 493,000 | 1,091,000 | 1,509,000 | 1,946,000 |
| Income tax | 100,000 | 353,000 | 493,000 | 618,000 |
| Net income | 393,000 | 738,000 | 1,016,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,849,000 | 17,910,000 | 18,106,000 | 18,335,000 |
| Total capital | 18,690,000 | 18,731,000 | 18,885,000 | 19,129,000 |
| Risk-weighted assets | 113,822,000 | 117,569,000 | 121,347,000 | 123,292,000 |
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