Call reports 2013
CARROLL BANK AND TRUST — 2013
What CARROLL BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 267,583,000 | 262,758,000 | 253,162,000 | 261,333,000 |
| Total loans | 160,434,000 | 167,651,000 | 171,034,000 | 175,700,000 |
| Allowance for loan losses | 1,376,000 | 1,675,000 | 1,703,000 | 1,607,000 |
| Securities available for sale | 60,655,000 | 57,229,000 | 53,815,000 | 50,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,603,000 | 234,163,000 | 225,287,000 | 233,902,000 |
| Interest-bearing deposits | 207,598,000 | 201,684,000 | 194,785,000 | 198,454,000 |
| Noninterest-bearing deposits | 31,005,000 | 32,479,000 | 30,502,000 | 35,448,000 |
| Equity capital | 27,513,000 | 27,032,000 | 26,722,000 | 26,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,422,000 | 8,148,000 | 10,909,000 |
| Interest expense | 326,000 | 640,000 | 922,000 | 1,188,000 |
| Net interest income | 2,363,000 | 4,782,000 | 7,226,000 | 9,721,000 |
| Noninterest income | 447,000 | 1,227,000 | 1,712,000 | 2,172,000 |
| Noninterest expense | 2,185,000 | 4,288,000 | 6,487,000 | 8,806,000 |
| Provision for loan losses | 121,000 | 439,000 | 513,000 | 515,000 |
| Pretax income | 504,000 | 1,450,000 | 2,105,000 | 2,740,000 |
| Income tax | 142,000 | 569,000 | 787,000 | 857,000 |
| Net income | 362,000 | 881,000 | 1,318,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,670,000 | 26,035,000 | 25,891,000 | 25,874,000 |
| Total capital | 27,046,000 | 27,710,000 | 27,594,000 | 27,481,000 |
| Risk-weighted assets | 166,815,000 | 170,591,000 | 171,193,000 | 176,759,000 |