Carroll Community Bank in Sykesville, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Carroll Community Bank in Sykesville, Maryland (MD)
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Carroll Community Bank - Overview

  • General
  • FDIC Certificate #: 32393
    Status: Active
    Federal Reserve ID: 395274
    Bank Holding Company (Regulatory Top Holder): Carroll Bancorp, Inc. (RSSDID: 4256159, Location: Sykesville, MD)
    Date Established: April 04, 1904
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 8217
    FDIC's unique #: 45227
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 25, 1985
    Last Structure Change Effective Date: October 12, 2011
    Last Structure Change Process Date: January 27, 2012
    Last Data Update: January 27, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1321 Liberty Road, Sykesville, MD 21784
    County: Carroll
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Baltimore, MD (#720)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Baltimore-Towson, MD (#12580)
    CBSA Metro Statistical Area: Baltimore-Towson, MD (#12580)
  • History of Changes
  • Change in Entity Type
  • Financial Summary
  • Total assets: $96.3 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $82.9 mil
    Return on assets (ROA): 0.02% ($0.0 mil)
    Quarterly return on assets: -0.22% (-$0.2 mil)
    Return on Equity (ROE): 0.30% ($0.0 mil)
    Quarterly return on equity: -3.09% (-$0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.00% ($0.0 mil)
    Quarterly Pretax return on assets: -0.40% (-$385.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $96,262Total assets
  • $11,182Cash and due from depository institutions
  • $9,325Interest-bearing balances
  • $15,180Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,587Net loans & leases
  • $594Loan loss allowance
  • $0Trading account assets
  • $1,442Bank premises and fixed assets
  • $1,773Other real estate owned
  • $0Goodwill and other intangibles
  • $96,262Life insurance assets
  • $3,098All other assets
  • $88,196Total liabilities and capital
  • $82,879Total liabilities
  • $80,356Total deposits
  • $82,879Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,205Trading liabilities
  • $0Other borrowed funds
  • $112Subordinated debt
  • $8,066All other liabilities
  • $8,066Total equity capital
  • $8,066Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $2,456Surplus
  • $5,610Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $639Income earned, not collected on loans
  • $0Earning assets
  • $283Long-term assets (5+ years)
  • $88,092Average Assets, year-to-date
  • $54,446Average Assets, quarterly
  • $95,736Volatile liabilities
  • $96,088Insider loans
  • $50,893FHLB advances
  • $96,398Loans and leases held for sale
  • $1,466Unused loan commitments
  • $1,466Tier 1 (core) risk-based capital
  • $7,891Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,536Restructured Loans and leases
  • $680Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,890Total interest income
  • $1,205Total interest expense
  • $2,685Net interest income
  • $153Provision for loan and lease losses
  • $156Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $2,908Total noninterest expense
  • $1,332Salaries and employee benefits
  • $297Premises and equipment expense
  • $1,279Additional noninterest expense
  • -$220Pre-tax net operating income
  • $218Securities gains (losses)
  • -$21Applicable income taxes
  • $19Income before extraordinary items
  • $0Extraordinary gains - net
  • $19Net income attributable to bank
  • $0Net charge-offs
  • $19Cash dividends
  • $234Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.04%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • -0.13%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • -0.00%Pretax return on assets
  • 0.30%Return on equity (ROE)
  • 0.30%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 65.38%Credit loss provision to net charge-offs
  • -0.29%Efficiency ratio
  • 102,358Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 92.96%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 76.72%Net loans and leases to core deposits
  • 77.10%Equity capital to assets
  • 8.38%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 15.51%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $95,736Average earning assets
  • $6,296Average equity
  • $88,449Average loans

List of branches

  • 2 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045227Carroll Community Bank1321 Liberty Road, Sykesville, MD 21784April 04, 1904Full Service Brick and Mortar
    1463722Westminster Branch29 Westminster Shopping Ctr, Westminster, MD 21157August 30, 2004Full Service Brick and Mortar

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