# CARROLLTON BANK
BALTIMORE, MD · FDIC certificate 12433 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $364.2M | |
| Deposits | $325.6M | |
| Loans and leases | $273.8M | |
| Total equity | $33.3M | |
| Loans / deposits | 82.46% (p67 of band) | 74.76% |
| Liquid assets / assets | 19.98% (p21 of band) | |
| Uninsured deposits / deposits | 16.99% (p51 of band) | 16.74% |
| Brokered deposits | 5.93% | |
| Wholesale funding | 5.97% (p55 of band) | |
| FHLB advances / assets | 0.05% | |
| Tier 1 leverage | 9.80% (p51 of band) | 9.77% |
| Unrealized securities loss / equity | -9.84% (p0 of band) | 2.98% |
| AOCI / equity | -0.93% (p20 of band) | |
| ROA (annualized) | 0.04% (p6 of band) | 0.80% |
| Net interest margin | 3.54% (p52 of band) | 3.52% |
| Efficiency ratio | 87.69% (p88 of band) | |
| Noncurrent loans | 1.43% (p47 of band) | 1.55% |
| Net charge-offs (annualized) | -0.05% (p6 of band) | |
| Reserve coverage of noncurrent | 137.76% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 63.75% (p79 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 136 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | loans exceed deposits, losing money | construction >100% equity |
| 2011-09 | 1 |  | loans exceed deposits, losing money |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | losing money |  |
| 2012-06 | 0 |  | losing money |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-04-22 [Bay Bank Finalizes Its Acquisition of Carrollton Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxPT0ozSkNrbkhteGRKdXNLWmVLOGZralVKZEpJcTR6QmFJS2hEQ2lZcmZ4Z1RmMEhkR1FwQlFCQXBNS0czYnU1bkdCZmtaU2RNeVZndnpxZ2ZZd2Z3UEVXZUVPQzhEYWItVDQ3bWc5QjV6SDhQUlBuTzJfWWh4U2NKMkU0V1lXMTlrdzg4RWo5TWF4anNNNHVweHBsUXY0SXVWZU1KV3J2em9ZSmI1QjdZTGtraUk2SXNRb3ZDN3lPR01najJ1S2Jr?oc=5) · GlobeNewswire
- 2013-04-23 [Bay Bank of Lutherville Acquires 10 Carrollton Bank Branches - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxNOVdNOGFUTVNvNUlKRDlVU201UGZkeVpnSmg4b0NVS0hjYi1vUUh3VmtQOVprSTkwZUZDc08wTkVpYnR5N2pkbzFNWFQ4dGlreklkYjNZU1FfSVhYcnUybFl2VkJ5dnA5dUV1cXNueTY4Q2paSFZ5NW5yX3hrVl9LYlBRcGh5X24xQWcyRFAwLThfVXFuMWFSRDRxM0o?oc=5) · Patch
- 2011-11-28 [District of Maryland - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPQV9SZXFKNDZoX2FrV3N3R003M25WNmNCZUxKQmRrcnVnUG40ZFNqdDE2eHR5NjRpWnFFOGYzdXdYOWMwWXZ0ZWlObkZUNTRINk01WHI2U09udjdKakFndmkxUjBwVG5qMDlzdUViWUFwMVQzZF96LVNhRUVfTUp3QVFHMlV1SVQ3WUlNSEsxWFNPVGVLLWR5c0ZUelFBbG91dFB0Q1ozQWd5UVJ0eldtNHFrc3hnekJPczNWUEZpX0MxY3RNdVJXMy0zZ0k0bVNiZmxDOVplQTZiRmh4a0Iw?oc=5) · Department of Justice (.gov)
- 2013-01-09 [Elizabeth "Betty" Rigdon Obituary Jan 9, 2013 - McComas Family Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE9Hb00xSVF3VmgwSUFVU2ZqYXBaYW1mejQzSmhvc2FYR2pUZHlsTllTVTBnSG9tc1pHT1BUYThEMjFDZnI2WlNNb09jdWxvcldVcVBpVEhkTEVtRlFDeWczQlRIQVVTcWtXdXM1bUpnQnJXZURiX0VF?oc=5) · McComas Family Funeral Homes
- 2022-08-30 [Obituary information for John Philip Hauswald - Holloway Funeral Home](https://news.google.com/rss/articles/CBMifEFVX3lxTE9nMGYxbURHR3lOSmhrNFc5elFsdnhUTTJRTzd6Qk1LN0ZOaWlodk1jNmI2MFN0aDg3cGJ5ekNOZWlzREl5WFc4blBmSFZ2MEZZaVJBR181a3JnM2I0Mm5keGRURFRFek53UUVxcFAtOXBicHNnQ3dZX1FhWXI?oc=5) · Holloway Funeral Home
- 2023-08-28 [Anthony Zentgraf Obituary - Elkridge, MD - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVnp3VFJ1YTRXQ09DY3VnbzlBcFFTLWVESDBUUUdHd1NoRGUwVEVoTGFjdHBleUZWSnVEYzR4US1Qa3RweWdoV1pwQzhwOHk5Y0lpYjNnaGJBZDgtTUVQUktqb1V2SkJqZ2RUNTlEdjJIRFRCbTVFZkh2T1VWQU4zTms1T2RPSGM?oc=5) · Dignity Memorial
- 2012-06-09 [Annemarie Fitzpatrick Obituary (2012) - York, PA - York Daily Record - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcTBWQmVUUkNVVVY3Q1hiMzRTZTJVTjNabEJIZUQ5bmVXM29RTDVLWTgxLU9JUzNtU3YyaGJlY01lTVpmc0RMbWVFc3RKRFg3NGhmU24wYkpRVG9BWmNlaVlEV0FVS2Z6dlZJbW10MlJUbFloc3J5aDU4VWdHb01HN1pEdE9US1JGRk9wR0pBZ1FRUkk?oc=5) · legacy.com
- 2009-12-23 [Pete Christ Obituary (2009) - Baltimore, MD - Baltimore Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNLWlDTjBaZUpoeG05blFOcEJGa1EtNmdSNFRXdkxsb2lDZGlseVl3Q3NBcmU0b2Vmb0R0ekFqeURPcmtiMmI4bDNOanQ3OEJNZWIyY3VjY3lPbjJRbnJoZUxRU2tWS0t0WllGZkxkOUdiNmZubF9wYk43ME1MZG5IM01haGZfVmp3eVFKUVJCY1A?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12433 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "12433", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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