Carver bancorp inc (CARV)
Balance Sheet / TTM
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
ASSETS
Cash and cash equivalents:
Cash and due from banks

37,473

37,970

32,336

30,719

39,564

60,020

91,575

134,299

76,383

67,392

45,195

58,428

61,209

73,531

45,771

62,684

45,572

56,919

43,832

44,864

55,944

94,638

114,830

115,239

109,238

95,841

101,942

98,083

114,292

82,179

104,193

89,872

104,854

69,425

33,493

36,725

Money market investments

260

259

259

509

509

509

509

-

258

258

258

-

255

255

255

-

504

753

1,998

-

8,967

7,713

6,569

7,315

-

-

-

6,563

-

-

-

-

1,821

592

649

7,352

Money market investments

-

-

-

-

-

-

-

259

-

-

-

258

-

-

-

504

-

-

-

6,128

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Money market investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,059

10,001

5,911

-

7,558

9,898

6,810

1,825

-196,626

-191,371

-189,466

-228,460

Total cash and cash equivalents

37,733

38,229

32,595

31,228

40,073

60,529

92,084

134,558

76,641

67,650

45,453

58,686

61,464

73,786

46,026

63,188

46,076

57,672

45,830

50,992

64,911

102,351

121,399

122,554

118,297

105,842

107,853

104,646

121,850

92,077

111,003

91,697

106,675

70,017

34,142

44,077

Restricted cash

-

-

-

-

-

-

-

-

0

0

0

283

269

254

225

225

211

154

6,368

6,354

6,354

6,354

6,354

6,354

6,556

6,556

6,556

10,666

6,416

6,415

6,415

6,415

6,415

6,275

6,214

-

Investment securities:
Available-for-sale Securities

-

-

-

-

-

-

-

60,709

55,087

56,486

58,107

59,011

60,024

53,750

54,012

56,180

68,192

75,760

86,972

100,204

100,448

94,714

95,715

89,461

-

-

-

116,051

-

-

-

-

-

-

-

-

Available-for-sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

84,602

87,222

116,377

-

109,936

114,462

90,833

85,106

-

-

-

-

Restricted Cash

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Available-for-sale

70,443

75,109

78,391

79,845

102,330

92,195

65,828

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

55,712

57,575

57,141

53,551

Held-to-maturity

10,447

10,680

10,892

11,137

11,340

11,545

11,844

12,075

12,394

12,752

13,094

13,435

13,913

14,458

14,983

15,311

15,731

16,087

16,596

11,922

12,253

8,654

8,830

9,029

12,089

12,419

13,500

9,043

9,565

10,038

10,401

11,081

11,509

11,901

13,879

17,697

Equity securities

-

-

-

-

416

9,642

9,710

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total investment securities

80,890

85,789

89,283

90,982

114,086

113,382

87,382

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans receivable:
Total investment securities

-

-

-

-

-

-

-

72,784

67,481

69,238

71,201

72,446

73,937

68,208

68,995

71,491

83,923

91,847

103,568

112,126

112,701

103,368

104,545

98,490

96,691

99,641

129,914

125,094

119,501

124,500

101,234

96,187

67,221

69,476

71,020

71,248

Loans held-for-sale (HFS)

-

-

-

-

-

-

-

-

0

0

1,020

944

16,103

16,034

5,829

2,436

-

-

-

2,724

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held-for-sale (HFS)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,404

2,586

2,576

-

2,606

2,606

2,611

5,011

7,678

7,854

9,709

13,107

18,991

26,830

30,163

29,626

-

-

-

-

Loans held-for-sale (HFS)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

22,490

39,369

18,068

9,205

Real estate mortgage loans

-

-

-

-

323,833

328,003

346,960

370,261

421,422

437,164

457,112

471,444

466,550

462,538

491,889

517,633

524,624

485,916

419,003

412,688

396,957

368,888

355,062

362,888

364,820

369,083

322,118

334,594

330,655

343,402

348,361

367,611

410,848

435,603

493,217

525,894

Commercial business loans

-

-

-

-

-

-

-

-

-

-

-

-

66,439

66,357

69,664

-

76,867

76,766

72,784

-

38,244

41,194

35,481

26,930

-

29,765

33,330

35,281

33,535

36,132

41,120

43,989

46,077

52,069

49,636

53,060

Business loan receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,188

-

-

-

-

-

-

-

-

-

-

-

Consumer loans

-

-

-

-

-

-

-

-

-

-

-

-

302

250

125

-

85

89

103

-

333

353

343

138

155

193

219

247

264

416

419

1,258

1,252

1,280

1,297

1,349

Commercial business loans

-

-

-

-

99,118

98,732

99,974

102,203

69,357

72,991

67,968

65,114

-

-

-

70,953

-

-

-

70,640

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Consumer loans

-

-

-

-

4,456

4,634

4,962

5,289

5,929

8,388

8,612

8,994

-

-

-

42

-

-

-

434

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans, gross

422,319

433,284

421,935

428,828

427,407

431,369

451,896

477,753

496,708

518,543

533,692

545,552

533,291

529,145

561,678

588,628

601,576

562,771

491,890

483,762

435,534

410,435

390,886

389,956

393,163

399,041

355,667

370,122

364,454

379,950

389,900

412,858

-

-

-

-

Loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

458,177

488,952

544,150

580,303

Allowance for loan losses

4,607

4,625

4,670

4,646

4,802

4,792

5,187

5,126

5,070

5,126

5,133

5,060

4,620

4,747

5,183

5,232

5,174

4,572

4,107

4,428

5,880

6,597

7,066

7,233

8,415

9,399

10,317

10,989

14,483

16,408

18,607

19,821

20,411

21,429

23,764

23,147

Total loans receivable, net

417,712

428,659

417,265

424,182

422,605

426,577

446,709

472,627

491,638

513,417

528,559

540,492

528,671

524,398

556,495

583,396

596,402

558,199

487,783

479,334

429,654

403,838

383,820

382,723

384,748

389,642

345,350

359,133

349,971

363,542

371,293

393,037

437,766

467,523

520,386

557,156

Premises and equipment, net

5,570

5,411

5,295

5,056

5,252

5,063

3,532

2,970

5,970

5,665

5,548

5,427

5,468

5,585

5,774

5,983

6,455

6,882

7,016

7,075

7,328

7,520

7,695

7,830

8,016

8,243

8,376

8,597

8,885

9,084

9,306

9,573

9,878

10,433

10,719

11,040

Federal Home Loan Bank of New York (“FHLB-NY”) stock, at cost

1,108

1,468

658

926

566

566

566

1,768

1,768

1,768

2,122

2,171

2,576

1,946

2,216

2,883

3,783

3,558

2,433

3,519

2,439

2,574

2,772

3,101

4,226

4,226

3,866

3,503

3,368

3,008

3,054

2,168

3,969

2,844

2,799

3,353

Accrued interest receivable

2,019

2,065

2,034

2,019

2,068

1,996

1,912

-

1,728

2,190

1,778

-

3,125

3,619

4,310

-

3,677

3,516

2,902

-

2,659

3,180

2,590

2,557

-

-

-

2,247

-

-

-

-

-

-

-

-

Right-of-use assets

18,192

18,783

19,372

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest receivable

-

-

-

-

-

-

-

2,023

-

-

-

1,583

-

-

-

2,420

-

-

-

2,781

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,620

2,530

2,418

-

2,359

2,438

2,180

2,256

2,354

2,483

2,409

2,854

Other assets

5,838

6,588

5,596

9,320

5,775

6,934

5,813

7,180

10,734

6,468

5,393

5,829

7,262

7,894

7,686

7,032

11,202

12,322

12,298

10,875

15,721

12,324

12,315

11,218

9,812

10,280

20,179

11,284

9,297

10,380

10,310

10,271

13,970

9,552

12,591

10,282

Total assets

569,062

586,992

572,098

563,713

590,425

615,047

637,998

693,910

655,960

666,396

661,074

687,861

698,875

701,724

697,556

739,054

754,133

736,736

670,774

675,780

644,373

644,115

644,101

639,838

638,644

634,814

634,221

638,277

640,638

638,274

644,958

641,230

670,738

677,972

678,348

709,215

LIABILITIES AND EQUITY
LIABILITIES
Deposits:
Savings

-

-

-

-

-

-

-

-

-

-

-

-

97,668

98,312

95,630

95,230

93,302

92,174

94,789

95,009

93,095

95,716

97,443

98,051

94,648

95,435

97,126

98,066

96,226

98,615

100,774

101,079

101,447

104,086

106,310

106,906

Non-Interest Bearing Checking

-

-

-

-

-

-

-

-

-

-

-

-

58,710

56,933

54,698

-

66,222

56,854

49,822

-

51,584

54,054

51,948

-

58,186

54,839

56,118

-

61,676

59,344

62,125

-

74,871

95,986

102,357

123,706

Non-interest bearing checking

59,704

58,415

57,514

60,201

61,791

58,104

59,116

62,905

62,868

58,051

56,191

61,576

-

-

-

56,634

-

-

-

50,731

-

-

-

53,232

-

-

-

58,239

-

-

-

67,202

-

-

-

-

Interest-bearing deposits:
Interest-bearing checking

24,204

22,119

23,060

23,473

27,723

24,632

25,337

23,570

23,866

23,898

24,130

37,180

35,552

33,131

33,887

33,106

32,581

31,898

31,577

30,860

30,302

28,786

28,401

24,271

-

-

-

25,927

-

-

-

-

-

-

-

-

Savings

95,867

97,400

98,197

99,310

99,267

100,032

102,784

102,550

100,219

101,582

102,738

100,913

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Money market

99,150

102,083

104,213

94,376

93,853

98,432

100,408

101,990

105,174

107,876

108,835

140,807

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NOW

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

24,883

25,962

25,863

-

25,044

24,977

25,146

28,325

27,174

25,319

26,011

27,297

Money market

-

-

-

-

-

-

-

-

-

-

-

-

143,783

147,563

143,959

163,380

168,257

163,832

153,218

148,702

148,676

145,443

135,920

127,655

115,820

115,484

115,327

113,259

113,417

110,206

109,516

109,404

85,077

83,060

67,479

74,329

Certificates of deposit

184,146

191,025

189,945

200,607

229,095

253,097

267,817

293,513

267,119

275,837

265,005

236,342

240,957

245,505

250,012

255,854

235,594

239,258

215,510

200,123

197,388

196,411

205,044

206,157

-

-

-

200,225

-

-

-

226,587

-

-

-

-

Escrow

1,227

2,079

1,408

2,229

1,288

2,080

1,521

2,355

1,475

2,242

1,762

2,358

1,488

2,155

1,757

2,537

1,656

2,278

1,664

2,336

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total interest-bearing deposits

404,594

414,706

416,823

419,995

451,226

478,273

497,867

523,978

497,853

511,435

502,470

517,600

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Certificates of Deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

190,446

187,738

191,033

-

205,286

213,234

216,507

-

-

-

-

-

Total deposits

464,298

473,121

474,337

480,196

513,017

536,377

556,983

586,883

560,721

569,486

558,661

579,176

578,158

583,599

579,943

606,741

597,612

586,294

546,580

527,761

521,045

520,410

518,756

509,366

483,983

479,458

485,467

495,716

501,649

506,376

514,068

532,597

485,195

499,822

491,623

560,698

Advances from the FHLB-NY and other borrowed money

25,590

33,552

15,403

21,403

13,403

13,403

13,403

38,403

38,403

39,403

44,403

49,403

58,403

43,403

49,403

68,403

88,403

83,403

58,403

83,403

-

-

-

70,403

-

-

-

-

-

-

-

-

-

-

-

-

Operating lease liability

18,700

19,254

19,799

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Due to broker for unsettled trades

-

-

-

-

-

-

-

-

-

-

-

-

-

10,079

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Advances from the FHLB-NY and other borrowed money

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

59,403

62,403

62,403

-

95,403

95,403

87,403

76,403

73,403

65,414

66,421

43,429

-

-

-

-

Advances from the FHLB-NY and other borrowed money

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

113,437

102,513

101,571

112,641

Other liabilities

10,695

9,756

10,343

14,978

16,110

16,997

17,008

16,653

11,411

10,833

10,874

11,884

10,893

10,230

13,228

12,030

13,053

11,819

11,503

10,971

9,735

8,171

10,024

8,900

8,830

8,195

8,506

9,423

9,986

11,304

9,494

8,585

9,206

11,904

11,834

8,159

Total liabilities

519,283

535,683

519,882

516,577

542,530

566,777

587,394

641,939

610,535

619,722

613,938

640,463

647,454

647,311

642,574

687,174

699,068

681,516

616,486

622,135

590,183

590,984

591,183

588,669

588,216

583,056

581,376

581,542

585,038

583,094

589,983

584,611

607,838

614,239

605,028

681,498

EQUITY
Preferred stock

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

45,118

51,432

51,432

0

Preferred stock (par value $0.01 per share, 2,000,000 shares authorized; 18,980 Series B shares, with a liquidation preference of $1,000.00 per share, issued and outstanding.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

18,980

18,980

18,980

Common stock

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

61

25

25

25

Additional paid-in capital

55,520

55,516

55,515

55,514

55,513

55,511

55,480

55,479

55,477

55,476

55,475

55,474

55,470

55,470

55,470

55,470

55,470

55,470

55,468

55,468

56,116

56,116

56,115

56,114

56,114

55,980

55,844

55,708

55,574

55,063

54,549

54,068

53,896

28,406

27,719

27,026

Accumulated deficit

-50,487

-49,051

-48,001

-52,201

-50,661

-49,312

-47,295

-45,544

-53,077

-52,132

-51,537

-50,898

-46,710

-45,554

-45,302

-48,045

-43,757

-44,194

-44,029

-45,540

-44,079

-44,189

-44,397

-44,570

-43,803

-43,685

-44,028

-44,439

-45,125

-45,599

-45,461

-45,091

-37,944

-37,235

-27,689

-21,464

Non-controlling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

141

-

-

-

-

-

-

-

-

Non-controlling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-223

57

101

-

95

795

1,356

2,751

2,237

2,837

3,438

4,038

Treasury stock

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

417

447

447

488

506

569

Accumulated other comprehensive loss

-16

82

-60

-939

-1,719

-2,691

-2,343

-2,726

-1,737

-1,432

-1,564

-1,940

-2,101

-265

52

-307

-1,410

-818

-1,913

-1,045

-1,959

-3,059

-3,210

-4,768

-6,422

-5,356

-3,834

563

294

159

-231

159

-

-

-

-

Total equity

49,779

51,309

52,216

47,136

47,895

48,270

50,604

51,971

45,425

46,674

47,136

47,398

-

-

-

51,880

-

-

-

-

54,840

53,630

53,270

51,538

-

-

-

56,735

-

-

-

-

-

-

-

-

Non-controlling Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-650

-499

-352

-369

-

-

-

0

-

-

-

-

-

-

-

-

Accumulated other comprehensive income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-21

-224

-79

-319

Total equity

-

-

-

-

-

-

-

-

-

-

-

-

51,421

54,413

54,982

-

55,065

55,220

54,288

53,645

54,190

53,131

52,918

51,169

50,428

51,758

52,845

56,735

55,600

55,180

54,975

56,619

62,900

12,301

21,888

27,717

Total equity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

63,733

-

-

Total liabilities and equity

569,062

586,992

572,098

563,713

590,425

615,047

637,998

693,910

655,960

666,396

661,074

687,861

698,875

701,724

697,556

739,054

754,133

736,736

670,774

675,780

644,373

644,115

644,101

639,838

638,644

634,814

634,221

638,277

640,638

638,274

644,958

641,230

670,738

677,972

678,348

709,215

Real Estate
Loans, gross

332,848

338,776

325,492

328,104

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Business
Loans, gross

85,883

90,816

92,615

96,661

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for loan losses

1,484

1,491

1,400

1,330

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Consumer
Loans, gross

3,588

3,692

3,828

4,063

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for loan losses

231

248

240

154

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-