Call reports 2025
CARROLL BANK AND TRUST — 2025
What CARROLL BANK AND TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 573,041,000 | 605,328,000 | 615,585,000 | 649,009,000 |
| Total loans | 412,249,000 | 434,346,000 | 446,770,000 | 475,442,000 |
| Allowance for loan losses | 3,326,000 | 3,411,000 | 3,548,000 | 3,801,000 |
| Securities available for sale | 66,382,000 | 68,968,000 | 77,454,000 | 79,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,473,000 | 556,775,000 | 563,904,000 | 594,978,000 |
| Interest-bearing deposits | 432,402,000 | 463,822,000 | 465,835,000 | 486,528,000 |
| Noninterest-bearing deposits | 93,071,000 | 92,953,000 | 98,069,000 | 108,450,000 |
| Equity capital | 42,015,000 | 42,984,000 | 45,556,000 | 48,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,098,000 | 16,918,000 | 26,131,000 | 35,561,000 |
| Interest expense | 3,202,000 | 6,706,000 | 10,412,000 | 14,107,000 |
| Net interest income | 4,896,000 | 10,212,000 | 15,719,000 | 21,454,000 |
| Noninterest income | 977,000 | 2,097,000 | 3,328,000 | 4,565,000 |
| Noninterest expense | 4,302,000 | 8,581,000 | 13,334,000 | 18,158,000 |
| Provision for loan losses | 122,000 | 244,000 | 393,000 | 688,000 |
| Pretax income | 1,446,000 | 3,462,000 | 5,322,000 | 7,163,000 |
| Income tax | 391,000 | 918,000 | 1,379,000 | 1,358,000 |
| Net income | 1,055,000 | 2,544,000 | 3,943,000 | 5,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,020,000 | 48,209,000 | 49,358,000 | 51,970,000 |
| Total capital | 50,461,000 | 51,750,000 | 53,051,000 | 55,931,000 |
| Risk-weighted assets | 388,795,000 | 406,077,000 | 415,870,000 | 442,079,000 |