Call reports 2015
CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION — 2015
What CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 21,801,000 | 21,304,000 | 20,865,000 | 20,194,000 |
| Total loans | 9,425,000 | 9,621,000 | 9,461,000 | 9,371,000 |
| Allowance for loan losses | 183,000 | 183,000 | 183,000 | 193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,473,000 | 8,086,000 | 7,762,000 | 7,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,548,000 | 18,028,000 | 17,553,000 | 16,892,000 |
| Interest-bearing deposits | 18,539,000 | 18,009,000 | 17,526,000 | 16,892,000 |
| Noninterest-bearing deposits | 9,000 | 19,000 | 27,000 | 0 |
| Equity capital | 3,247,000 | 3,275,000 | 3,305,000 | 3,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 146,000 | 291,000 | 434,000 | 573,000 |
| Interest expense | 49,000 | 97,000 | 144,000 | 187,000 |
| Net interest income | 97,000 | 194,000 | 290,000 | 386,000 |
| Noninterest income | 5,000 | 8,000 | 9,000 | 8,000 |
| Noninterest expense | 68,000 | 137,000 | 203,000 | 275,000 |
| Provision for loan losses | 17,000 | 17,000 | 17,000 | 27,000 |
| Pretax income | 17,000 | 48,000 | 79,000 | 92,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 20,000 |
| Net income | 16,000 | 45,000 | 75,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,247,000 | 3,275,000 | 3,305,000 | 3,302,000 |
| Total capital | 3,334,000 | 3,362,000 | 3,391,000 | 3,386,000 |
| Risk-weighted assets | 6,930,000 | 6,932,000 | 6,853,000 | 6,650,000 |