Carroll Bank And Trust Mortgage Rates, Fees & Info

Huntingdon, TN

LEI: 549300RN1POVRDD21477

Tax ID: 62-0123520

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Carroll Bank And Trust is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    87

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Carroll Bank and Trust 102 Highway 641 North Camden, TN 38320 Full Service B&M $22,779
    Carroll Bank and Trust 133 East Main Street Bradford, TN 38316 Full Service B&M $30,390
    Carroll Bank and Trust 14950 S Highland Mckenzie, TN 38201 Full Service B&M $38,226
    Carroll Bank and Trust 19510 West Main Street Huntingdon, TN 38344 Full Service B&M $109,513
    Carroll Bank and Trust 20515 East Main Huntingdon, TN 38344 Limited, Drive-thru $0
    Carroll Bank and Trust 4105 South First Street Milan, TN 38358 Full Service B&M $14,502
    Carroll Bank and Trust 5626 Main Street Mc Lemoresville, TN 38235 Full Service B&M $29,633
    Carroll Bank and Trust 902 Mineral Wells Avenue Paris, TN 38242 Full Service B&M $6,540

    For 2018, Carroll Bank And Trust had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,615
    Net interest income $11,204
    Total noninterest income $2,031
    Gross Fiduciary activities income $41
    Service charges on deposit accounts $570
    Trading account gains and fees $0
    Additional Noninterest Income $1,420
    Pre-tax net operating income $3,139
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,368
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,368
    Minority interest net income $0
    Net income $2,368
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,368

    Carroll Bank And Trust's gross interest income from loans was $12,615,000.
    Carroll Bank And Trust's net interest income from loans was $11,204,000.
    Carroll Bank And Trust's fee based income from loans was $570,000.
    Carroll Bank And Trust's net income from loans was $2,368,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,411
    Provision for credit losses $370
    Total noninterest expense $9,726
    Salaries and employee benefits $5,784
    Premises and equipment expense $1,973
    Additional noninterest expense $1,969
    Applicable income taxes $771
    Net charge-offs $127
    Cash dividends $885

    Carroll Bank And Trust's interest expense for loans was $1,411,000.
    Carroll Bank And Trust's payroll and benefits expense were $5,784,000.
    Carroll Bank And Trust's property, plant and equipment expenses $1,973,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $255,600
    Deposits held in domestic offices $255,600
    Deposits by Individuals, partnerships, and corporations $217,182
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $38,168
    Deposits by Commercial banks and other depository institutions in U.S. $250
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $95,687
    Demand deposits $46,123
    Nontransaction accounts $159,913
    Money market deposit accounts (MMDAs) $28,253
    Other savings deposits (excluding MMDAs) $21,322
    Total time deposits $110,338
    Total time and savings deposits $209,477
    Noninterest-bearing deposits $46,123
    Interest-bearing deposits $209,477
    Retail deposits $226,478
    IRAs and Keogh plan accounts $18,398
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $285,226
    Cash & Balances due from depository institutions $23,228
    Interest-bearing balances $14,211
    Total securities $20,316
    Federal funds sold & reverse repurchase $565
    Net loans and leases $215,430
    Loan and leases loss allowance $2,010
    Trading account assets $0
    Bank premises and fixed assets $13,442
    Other real estate owned $461
    Goodwill and other intangibles $755
    All other assets $11,029

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $285,226
    Total Liabilities $256,547
    Total deposits $255,600
    Interest-bearing deposits $209,477
    Deposits held in domestic offices $255,600
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $45
    Subordinated debt $0
    All other liabilities $902

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $215,430
    Loan and leases loss allowance $2,010
    Total loans and leases (domestic) $217,440
    All real estate loans $170,135
    Real estate loans in domestic offices $170,135
    Construction and development loans $15,893
    Residential 1-4 family construction $3,979
    Other construction, all land development and other land $11,914
    Loans secured by nonfarm nonresidential properties $40,046
    Nonfarm nonresidential secured by owner-occupied properties $24,225
    Commercial real estate & other non-farm, non-residential $15,821
    Multifamily residential real estate $534
    1-4 family residential loans $86,156
    Farmland loans $27,506
    Loans held in foreign offices $0
    Farm loans $9,321
    Commercial and industrial loans $17,727
    To non-U.S. addressees $0
    Loans to individuals $19,553
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $10,337
    Other loans to individuals $9,216
    All other loans & leases $704
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $305
    Non 1-4 family restructured loans & leases $93
    Total loans and leases (foreign) $0

    Carroll Bank and Trust had $215,430,000 of loans outstanding in 2018. $170,135,000 of loans were in real estate loans. $15,893,000 of loans were in development loans. $534,000 of loans were in multifamily mortgage loans. $86,156,000 of loans were in 1-4 family mortgage loans. $9,321,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,337,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 214 $29,156 $136,243
    Nonfarm, nonresidential loans - <$100k 112 $6,214 $55,482
    Nonfarm, nonresidential loans - $100-250k 64 $8,430 $131,719
    Nonfarm, nonresidential loans - $250k-1MM 38 $14,512 $381,895
    Commercial & Industrial, US addressed loans - <$1MM 306 $17,517 $57,245
    Commercial & Industrial, US addressed loans - <$100k 264 $10,904 $41,303
    Commercial & Industrial, US addressed loans - $100-250k 31 $3,194 $103,032
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $3,419 $310,818
    Farmland loans - <$1MM 136 $14,306 $105,191
    Farmland loans - <$100k 74 $3,087 $41,716
    Farmland loans - $100-250k 42 $5,144 $122,476
    Farmland loans - $250k-1MM 20 $6,075 $303,750
    Agriculture operations loans - <$1MM 52 $1,301 $25,019
    Agriculture operations loans - <$100k 52 $1,301 $25,019