Call reports 2016
CARROLL BANK AND TRUST — 2016
What CARROLL BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 269,807,000 | 268,855,000 | 265,996,000 | 275,817,000 |
| Total loans | 191,566,000 | 198,457,000 | 201,391,000 | 199,777,000 |
| Allowance for loan losses | 1,400,000 | 1,531,000 | 1,449,000 | 1,549,000 |
| Securities available for sale | 33,860,000 | 32,973,000 | 31,318,000 | 29,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,211,000 | 236,782,000 | 233,580,000 | 243,947,000 |
| Interest-bearing deposits | 199,274,000 | 197,494,000 | 194,347,000 | 198,910,000 |
| Noninterest-bearing deposits | 38,937,000 | 39,288,000 | 39,233,000 | 45,037,000 |
| Equity capital | 25,464,000 | 25,892,000 | 26,150,000 | 26,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,657,000 | 8,584,000 | 11,493,000 |
| Interest expense | 227,000 | 455,000 | 686,000 | 914,000 |
| Net interest income | 2,576,000 | 5,202,000 | 7,898,000 | 10,579,000 |
| Noninterest income | 476,000 | 946,000 | 1,425,000 | 1,863,000 |
| Noninterest expense | 2,408,000 | 4,861,000 | 7,284,000 | 9,610,000 |
| Provision for loan losses | 106,000 | 212,000 | 317,000 | 424,000 |
| Pretax income | 551,000 | 1,089,000 | 1,737,000 | 2,423,000 |
| Income tax | 188,000 | 341,000 | 559,000 | 815,000 |
| Net income | 363,000 | 748,000 | 1,178,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,389,000 | 24,689,000 | 25,036,000 | 25,383,000 |
| Total capital | 25,789,000 | 26,220,000 | 26,485,000 | 26,932,000 |
| Risk-weighted assets | 191,468,000 | 195,598,000 | 197,312,000 | 196,426,000 |