Call reports 2012
TALBOT STATE BANK — 2012
What TALBOT STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,509,000 | 71,644,000 | 71,348,000 | 71,169,000 |
| Total loans | 48,636,000 | 48,531,000 | 47,175,000 | 47,270,000 |
| Allowance for loan losses | 575,000 | 580,000 | 580,000 | 580,000 |
| Securities available for sale | 17,063,000 | 17,298,000 | 18,403,000 | 18,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,628,000 | 65,507,000 | 65,234,000 | 65,187,000 |
| Interest-bearing deposits | 63,609,000 | 63,153,000 | 62,986,000 | 63,118,000 |
| Noninterest-bearing deposits | 2,019,000 | 2,354,000 | 2,248,000 | 2,069,000 |
| Equity capital | 5,543,000 | 5,799,000 | 5,772,000 | 5,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,284,000 | 3,448,000 | 4,626,000 |
| Interest expense | 547,000 | 1,084,000 | 1,617,000 | 2,142,000 |
| Net interest income | 583,000 | 1,200,000 | 1,831,000 | 2,484,000 |
| Noninterest income | -67,000 | -122,000 | -66,000 | -237,000 |
| Noninterest expense | 601,000 | 1,180,000 | 1,853,000 | 2,451,000 |
| Provision for loan losses | 114,000 | 197,000 | 356,000 | 465,000 |
| Pretax income | -27,000 | -16,000 | 81,000 | 70,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -27,000 | -16,000 | 81,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,456,000 | 5,467,000 | 5,565,000 | 5,553,000 |
| Total capital | 5,916,000 | 5,930,000 | 6,023,000 | 6,003,000 |
| Risk-weighted assets | 36,721,000 | 36,906,000 | 36,384,000 | 35,882,000 |
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