Call reports 2013
CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION — 2013
What CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION 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 | 23,545,000 | 23,526,000 | 23,287,000 | 23,038,000 |
| Total loans | 10,753,000 | 10,995,000 | 10,315,000 | 10,161,000 |
| Allowance for loan losses | 145,000 | 154,000 | 163,000 | 163,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,788,000 | 9,162,000 | 9,538,000 | 9,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,442,000 | 20,414,000 | 20,150,000 | 19,882,000 |
| Interest-bearing deposits | 20,434,000 | 20,395,000 | 20,123,000 | 19,882,000 |
| Noninterest-bearing deposits | 8,000 | 19,000 | 27,000 | 0 |
| Equity capital | 3,097,000 | 3,110,000 | 3,128,000 | 3,156,000 |
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 | 174,000 | 347,000 | 513,000 | 673,000 |
| Interest expense | 70,000 | 137,000 | 203,000 | 262,000 |
| Net interest income | 104,000 | 210,000 | 310,000 | 411,000 |
| Noninterest income | -5,000 | -1,000 | 15,000 | 17,000 |
| Noninterest expense | 68,000 | 148,000 | 227,000 | 310,000 |
| Provision for loan losses | 0 | 9,000 | 18,000 | 18,000 |
| Pretax income | 31,000 | 52,000 | 80,000 | 100,000 |
| Income tax | 12,000 | 20,000 | 30,000 | 22,000 |
| Net income | 19,000 | 32,000 | 50,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,097,000 | 3,110,000 | 3,128,000 | 3,156,000 |
| Total capital | 3,195,000 | 3,209,000 | 3,224,000 | 3,252,000 |
| Risk-weighted assets | 7,780,000 | 7,863,000 | 7,618,000 | 7,605,000 |