Call reports 2016
CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION — 2016
What CARROLL COUNTY SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 20,056,000 | 19,824,000 | 19,758,000 | 19,762,000 |
| Total loans | 9,276,000 | 8,814,000 | 8,480,000 | 8,117,000 |
| Allowance for loan losses | 199,000 | 184,000 | 178,000 | 177,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,989,000 | 6,186,000 | 6,694,000 | 7,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,731,000 | 16,461,000 | 16,381,000 | 16,380,000 |
| Interest-bearing deposits | 16,722,000 | 16,443,000 | 16,355,000 | 16,380,000 |
| Noninterest-bearing deposits | 9,000 | 18,000 | 26,000 | 0 |
| Equity capital | 3,321,000 | 3,362,000 | 3,370,000 | 3,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 135,000 | 301,000 | 420,000 | 545,000 |
| Interest expense | 40,000 | 80,000 | 119,000 | 162,000 |
| Net interest income | 95,000 | 221,000 | 301,000 | 383,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 66,000 | 143,000 | 217,000 | 286,000 |
| Provision for loan losses | 6,000 | 10,000 | 4,000 | 4,000 |
| Pretax income | 23,000 | 68,000 | 80,000 | 93,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 20,000 |
| Net income | 19,000 | 60,000 | 68,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,321,000 | 3,362,000 | 3,370,000 | 3,375,000 |
| Total capital | 3,404,000 | 3,444,000 | 3,449,000 | 3,448,000 |
| Risk-weighted assets | 6,562,000 | 6,429,000 | 6,198,000 | 5,739,000 |