Call reports 2016
TALBOT STATE BANK — 2016
What TALBOT STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 72,334,000 | 73,490,000 | 69,357,000 | 68,359,000 |
| Total loans | 36,797,000 | 34,632,000 | 34,018,000 | 33,515,000 |
| Allowance for loan losses | 430,000 | 429,000 | 423,000 | 402,000 |
| Securities available for sale | 22,324,000 | 21,351,000 | 19,995,000 | 18,886,000 |
| Securities held to maturity | 2,730,000 | 2,726,000 | 2,722,000 | 2,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,888,000 | 67,465,000 | 62,918,000 | 63,279,000 |
| Interest-bearing deposits | 64,306,000 | 64,759,000 | 60,137,000 | 60,593,000 |
| Noninterest-bearing deposits | 2,582,000 | 2,706,000 | 2,782,000 | 2,686,000 |
| Equity capital | 5,307,000 | 5,888,000 | 6,306,000 | 4,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,005,000 | 2,975,000 | 3,904,000 |
| Interest expense | 483,000 | 965,000 | 1,422,000 | 1,847,000 |
| Net interest income | 560,000 | 1,040,000 | 1,553,000 | 2,057,000 |
| Noninterest income | 80,000 | 223,000 | 340,000 | 382,000 |
| Noninterest expense | 653,000 | 1,299,000 | 1,919,000 | 2,590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 190,000 | 300,000 | 175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 190,000 | 300,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,619,000 | 5,785,000 | 5,895,000 | 5,770,000 |
| Total capital | 6,041,000 | 6,185,000 | 6,263,000 | 6,141,000 |
| Risk-weighted assets | 33,793,000 | 31,991,000 | 29,402,000 | 29,646,000 |