Call reports 2015
CARROLL BANK AND TRUST — 2015
What CARROLL BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 266,983,000 | 270,919,000 | 267,039,000 | 276,165,000 |
| Total loans | 183,925,000 | 192,556,000 | 193,040,000 | 192,628,000 |
| Allowance for loan losses | 1,080,000 | 1,148,000 | 1,203,000 | 1,301,000 |
| Securities available for sale | 41,095,000 | 39,110,000 | 37,485,000 | 35,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,873,000 | 231,800,000 | 230,580,000 | 240,205,000 |
| Interest-bearing deposits | 196,555,000 | 195,134,000 | 191,671,000 | 197,822,000 |
| Noninterest-bearing deposits | 36,318,000 | 36,666,000 | 38,909,000 | 42,383,000 |
| Equity capital | 28,057,000 | 27,998,000 | 25,192,000 | 25,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,691,000 | 5,452,000 | 8,286,000 | 11,131,000 |
| Interest expense | 224,000 | 446,000 | 671,000 | 892,000 |
| Net interest income | 2,467,000 | 5,006,000 | 7,615,000 | 10,239,000 |
| Noninterest income | 424,000 | 872,000 | 1,293,000 | 1,746,000 |
| Noninterest expense | 2,234,000 | 4,733,000 | 7,138,000 | 9,430,000 |
| Provision for loan losses | 105,000 | 201,000 | 306,000 | 412,000 |
| Pretax income | 552,000 | 944,000 | 1,494,000 | 2,173,000 |
| Income tax | 207,000 | 342,000 | 505,000 | 672,000 |
| Net income | 345,000 | 602,000 | 989,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,870,000 | 27,063,000 | 24,159,000 | 24,178,000 |
| Total capital | 27,950,000 | 28,211,000 | 25,362,000 | 25,479,000 |
| Risk-weighted assets | 186,764,000 | 194,215,000 | 193,746,000 | 192,416,000 |