Call reports 2012
CARROLL BANK AND TRUST — 2012
What CARROLL BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 271,723,000 | 266,057,000 | 260,717,000 | 270,602,000 |
| Total loans | 159,744,000 | 162,663,000 | 162,394,000 | 161,649,000 |
| Allowance for loan losses | 1,117,000 | 1,347,000 | 1,294,000 | 1,399,000 |
| Securities available for sale | 64,327,000 | 62,376,000 | 61,642,000 | 60,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,178,000 | 236,528,000 | 230,848,000 | 241,119,000 |
| Interest-bearing deposits | 211,341,000 | 206,351,000 | 201,952,000 | 206,753,000 |
| Noninterest-bearing deposits | 30,837,000 | 30,177,000 | 28,896,000 | 34,366,000 |
| Equity capital | 27,570,000 | 27,773,000 | 28,149,000 | 27,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,985,000 | 5,981,000 | 8,942,000 | 11,775,000 |
| Interest expense | 504,000 | 939,000 | 1,331,000 | 1,692,000 |
| Net interest income | 2,481,000 | 5,042,000 | 7,611,000 | 10,083,000 |
| Noninterest income | 409,000 | 808,000 | 1,213,000 | 1,643,000 |
| Noninterest expense | 2,095,000 | 4,170,000 | 6,266,000 | 8,442,000 |
| Provision for loan losses | 175,000 | 500,000 | 726,000 | 851,000 |
| Pretax income | 620,000 | 1,329,000 | 1,981,000 | 2,615,000 |
| Income tax | 212,000 | 461,000 | 623,000 | 789,000 |
| Net income | 408,000 | 868,000 | 1,358,000 | 1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,386,000 | 25,616,000 | 25,885,000 | 25,972,000 |
| Total capital | 26,503,000 | 26,963,000 | 27,179,000 | 27,371,000 |
| Risk-weighted assets | 168,073,000 | 168,677,000 | 167,255,000 | 168,988,000 |