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


  • Carroll Community Bank in Sykesville, Maryland (MD)
  • Show street view No street view available for this location

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
    WWW: http://www.carrollcobank.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Carroll Community Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents