Call reports 2013
TALBOT STATE BANK — 2013
What TALBOT STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 71,424,000 | 70,152,000 | 69,268,000 | 68,410,000 |
| Total loans | 46,244,000 | 44,995,000 | 44,786,000 | 42,816,000 |
| Allowance for loan losses | 580,000 | 580,000 | 580,000 | 580,000 |
| Securities available for sale | 19,173,000 | 19,602,000 | 19,408,000 | 21,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,362,000 | 65,164,000 | 65,559,000 | 64,527,000 |
| Interest-bearing deposits | 63,089,000 | 62,875,000 | 63,424,000 | 62,432,000 |
| Noninterest-bearing deposits | 2,274,000 | 2,289,000 | 2,135,000 | 2,095,000 |
| Equity capital | 5,707,000 | 4,601,000 | 3,310,000 | 3,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,273,000 | 3,442,000 | 4,610,000 |
| Interest expense | 509,000 | 1,020,000 | 1,532,000 | 2,039,000 |
| Net interest income | 603,000 | 1,253,000 | 1,910,000 | 2,571,000 |
| Noninterest income | -77,000 | -148,000 | -62,000 | -97,000 |
| Noninterest expense | 519,000 | 1,176,000 | 1,975,000 | 2,650,000 |
| Provision for loan losses | 84,000 | 84,000 | 85,000 | 91,000 |
| Pretax income | -13,000 | -34,000 | -105,000 | -177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -13,000 | -34,000 | -105,000 | -177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,540,000 | 5,519,000 | 5,448,000 | 5,377,000 |
| Total capital | 5,990,000 | 5,960,000 | 5,891,000 | 5,812,000 |
| Risk-weighted assets | 35,871,000 | 35,126,000 | 35,269,000 | 34,621,000 |
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