Call reports 2008
TALBOT STATE BANK — 2008
What TALBOT STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,895,000 | 97,679,000 | 96,156,000 | 91,625,000 |
| Total loans | 63,068,000 | 63,434,000 | 64,497,000 | 61,632,000 |
| Allowance for loan losses | 480,000 | 633,000 | 644,000 | 615,000 |
| Securities available for sale | 25,696,000 | 25,568,000 | 24,954,000 | 16,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,488,000 | 78,079,000 | 76,569,000 | 76,282,000 |
| Interest-bearing deposits | 81,359,000 | 76,157,000 | 74,513,000 | 74,136,000 |
| Noninterest-bearing deposits | 2,129,000 | 1,922,000 | 2,056,000 | 2,145,000 |
| Equity capital | 7,218,000 | 6,806,000 | 6,839,000 | 5,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,940,000 | 3,917,000 | 5,870,000 | 7,619,000 |
| Interest expense | 907,000 | 1,788,000 | 2,683,000 | 3,545,000 |
| Net interest income | 1,033,000 | 2,129,000 | 3,187,000 | 4,074,000 |
| Noninterest income | 24,000 | 36,000 | -2,000 | -28,000 |
| Noninterest expense | 815,000 | 1,744,000 | 2,621,000 | 3,657,000 |
| Provision for loan losses | 5,000 | 176,000 | 203,000 | 202,000 |
| Pretax income | 283,000 | 274,000 | 371,000 | 80,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 283,000 | 274,000 | 371,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,621,000 | 7,537,000 | 7,559,000 | 7,267,000 |
| Total capital | 8,101,000 | 8,136,000 | 8,166,000 | 7,882,000 |
| Risk-weighted assets | 47,185,000 | 47,888,000 | 48,493,000 | 49,272,000 |
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