Carroll Community Bank

Carroll Community Bank is headquartered in Sykesville and is the 70^th largest bank in the state of Maryland. It is also the 5,029^th largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 20 employees at 2 locations. Carroll Community Bank has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Carroll Community Bank FDIC Certificate # 32393 BankRate Report View Year Established 1904 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $96.26 million Loans $63.59 million Deposits $82.88 million Equity Capital $8.07 million Loan Loss Allowance $594,000 Unbacked Noncurrent Loans $639,000 Real Estate Owned $1.77 million Historic Data - December 2010 Assets $95.61 million Equity Capital $5.78 million Loan Loss Allowance $675,000 Unbacked Noncurrent Loans $2.92 million Real Estate Owned $190,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.02% Return on Equity 0.3% Interest Income $3.89 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Carroll Community Bank had $2.41 million in non-current loans and owned real-estate with $8.66 million in equity and loan loss allowances on hand to cover it. This gives Carroll Community Bank a Texas Ratio of 27.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Carroll Community Bank decreased significantly from 48.14% as of December 31, 2010 to 27.85% as of December 31, 2011, resulting in a positive change of 42.14%.This indicates that the balance sheet and financial strength for Carroll Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Carroll Community Bank has decreased its total deposits by -$1.89 million, resulting in -2.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carroll Community Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carroll Community Bank has $96.26 million in assets with $8.66 million in equity, resulting in a capitalization level of 9.00%, which is average.

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