Carroll County Savings and Loan Association - Overview
General
FDIC Certificate #: 31713 Status: Active Federal Reserve ID: 452476 Date Established: January 01, 1920 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 7372 FDIC's unique #: 44547 Numeric code: 36 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: September 24, 1974 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 121 North Folger Street, Carrollton, MO 64633 County: Carroll Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $24.7 mil Equity capital: $3.0 mil Deposits held in domestic offices: $21.7 mil Return on assets (ROA): 0.24% ($0.1 mil) Quarterly return on assets: 0.18% ($0.0 mil) Return on Equity (ROE): 2.02% ($0.1 mil) Quarterly return on equity: 1.47% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.36% ($89.1 mil) Quarterly Pretax return on assets: 0.24% ($59.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$24,743Total assets
$3,205Cash and due from depository institutions
$2,890Interest-bearing balances
$10,472Securities
$0Federal funds sold & reverse repurchase agreements
$10,470Net loans & leases
$110Loan loss allowance
$0Trading account assets
$63Bank premises and fixed assets
$321Other real estate owned
$0Goodwill and other intangibles
$24,743Life insurance assets
$212All other assets
$21,747Total liabilities and capital
$21,738Total liabilities
$21,738Total deposits
$21,738Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$9Subordinated debt
$2,996All other liabilities
$2,996Total equity capital
$2,996Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$2,996Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$75Long-term assets (5+ years)
$23,832Average Assets, year-to-date
$0Average Assets, quarterly
$25,238Volatile liabilities
$24,779Insider loans
$7,890FHLB advances
$24,743Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,996Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$883Total interest income
$442Total interest expense
$441Net interest income
$60Provision for loan and lease losses
$10Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$300Total noninterest expense
$178Salaries and employee benefits
$36Premises and equipment expense
$86Additional noninterest expense
$91Pre-tax net operating income
$0Securities gains (losses)
$31Applicable income taxes
$60Income before extraordinary items
$0Extraordinary gains - net
$60Net income attributable to bank
$0Net charge-offs
$60Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.61%Yield on earning assets
1.81%Cost of funding earning assets
1.80%Net interest margin
0.04%Noninterest income to earning assets
1.23%Noninterest expense to earning assets
0.24%Net operating income to assets
0.24%Return on assets (ROA)
0.36%Pretax return on assets
2.02%Return on equity (ROE)
2.02%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,519Assets per employee
6.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
1.30%Noncurrent loans to loans
0.00%Net loans and leases to deposits
48.16%Net loans and leases to core deposits
48.16%Equity capital to assets
12.11%Core capital (leverage) ratio
12.11%Tier 1 risk-based capital ratio
37.97%Total risk-based capital ratio
Memoranda
$39Average assets
$25,238Average earning assets
$2,968Average equity
$24,434Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44547
Carroll County Savings And Loan Asso
121 North Folger Street, Carrollton, MO 64633
January 01, 1920
Full Service Brick and Mortar
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