Call reports 2014
CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION — 2014
What CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 23,490,000 | 23,061,000 | 22,392,000 | 22,126,000 |
| Total loans | 10,007,000 | 9,914,000 | 9,848,000 | 9,932,000 |
| Allowance for loan losses | 163,000 | 166,000 | 166,000 | 166,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,778,000 | 9,647,000 | 9,370,000 | 8,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,303,000 | 19,886,000 | 19,195,000 | 18,895,000 |
| Interest-bearing deposits | 20,295,000 | 19,868,000 | 19,168,000 | 18,895,000 |
| Noninterest-bearing deposits | 8,000 | 18,000 | 27,000 | 0 |
| Equity capital | 3,169,000 | 3,173,000 | 3,190,000 | 3,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 161,000 | 321,000 | 475,000 | 629,000 |
| Interest expense | 57,000 | 114,000 | 168,000 | 219,000 |
| Net interest income | 104,000 | 207,000 | 307,000 | 410,000 |
| Noninterest income | 4,000 | 7,000 | 9,000 | 9,000 |
| Noninterest expense | 83,000 | 174,000 | 250,000 | 322,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 3,000 |
| Pretax income | 25,000 | 37,000 | 63,000 | 94,000 |
| Income tax | 12,000 | 20,000 | 29,000 | 20,000 |
| Net income | 13,000 | 17,000 | 34,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,169,000 | 3,173,000 | 3,190,000 | 3,230,000 |
| Total capital | 3,266,000 | 3,269,000 | 3,285,000 | 3,324,000 |
| Risk-weighted assets | 7,676,000 | 7,615,000 | 7,502,000 | 7,450,000 |