Call reports 2009
CARROLL BANK AND TRUST — 2009
What CARROLL BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 225,779,000 | 229,095,000 | 229,003,000 | 234,678,000 |
| Total loans | 136,650,000 | 142,713,000 | 147,589,000 | 145,377,000 |
| Allowance for loan losses | 980,000 | 944,000 | 1,218,000 | 1,105,000 |
| Securities available for sale | 54,507,000 | 56,483,000 | 50,286,000 | 51,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,581,000 | 203,998,000 | 201,368,000 | 209,234,000 |
| Interest-bearing deposits | 178,053,000 | 179,865,000 | 178,598,000 | 182,529,000 |
| Noninterest-bearing deposits | 22,528,000 | 24,133,000 | 22,770,000 | 26,705,000 |
| Equity capital | 21,584,000 | 21,639,000 | 22,049,000 | 22,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,068,000 | 6,179,000 | 9,300,000 | 12,358,000 |
| Interest expense | 1,059,000 | 2,032,000 | 2,910,000 | 3,743,000 |
| Net interest income | 2,009,000 | 4,147,000 | 6,390,000 | 8,615,000 |
| Noninterest income | 359,000 | 750,000 | 1,185,000 | 1,596,000 |
| Noninterest expense | 1,864,000 | 3,961,000 | 5,962,000 | 7,967,000 |
| Provision for loan losses | 73,000 | 248,000 | 550,000 | 880,000 |
| Pretax income | 431,000 | 688,000 | 1,279,000 | 1,580,000 |
| Income tax | 120,000 | 200,000 | 410,000 | 529,000 |
| Net income | 311,000 | 488,000 | 869,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,537,000 | 19,652,000 | 19,971,000 | 20,092,000 |
| Total capital | 20,517,000 | 20,596,000 | 21,189,000 | 21,197,000 |
| Risk-weighted assets | 145,621,000 | 150,274,000 | 152,878,000 | 152,809,000 |
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