Call reports 2012
CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION — 2012
What CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION 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 | 24,203,000 | 24,207,000 | 24,014,000 | 23,583,000 |
| Total loans | 10,750,000 | 10,580,000 | 10,365,000 | 10,151,000 |
| Allowance for loan losses | 125,000 | 140,000 | 145,000 | 145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,277,000 | 10,151,000 | 10,256,000 | 9,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,167,000 | 21,184,000 | 20,965,000 | 20,505,000 |
| Interest-bearing deposits | 21,159,000 | 21,168,000 | 20,943,000 | 20,505,000 |
| Noninterest-bearing deposits | 8,000 | 16,000 | 22,000 | 0 |
| Equity capital | 3,016,000 | 3,021,000 | 3,041,000 | 3,078,000 |
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 | 202,000 | 396,000 | 575,000 | 762,000 |
| Interest expense | 94,000 | 180,000 | 261,000 | 336,000 |
| Net interest income | 108,000 | 216,000 | 314,000 | 426,000 |
| Noninterest income | 8,000 | 12,000 | 19,000 | 20,000 |
| Noninterest expense | 66,000 | 135,000 | 202,000 | 305,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 35,000 | 63,000 | 96,000 | 106,000 |
| Income tax | 15,000 | 38,000 | 51,000 | 24,000 |
| Net income | 20,000 | 25,000 | 45,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,016,000 | 3,021,000 | 3,041,000 | 3,078,000 |
| Total capital | 3,113,000 | 3,111,000 | 3,137,000 | 3,172,000 |
| Risk-weighted assets | 7,726,000 | 7,694,000 | 7,612,000 | 7,497,000 |