Call reports 2025
TALBOT STATE BANK — 2025
What TALBOT STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 52,301,000 | 52,476,000 | 51,350,000 | 52,956,000 |
| Total loans | 31,567,000 | 31,466,000 | 31,743,000 | 31,313,000 |
| Allowance for loan losses | 199,000 | 199,000 | 199,000 | 197,000 |
| Securities available for sale | 13,214,000 | 13,137,000 | 13,474,000 | 13,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,599,000 | 46,044,000 | 44,665,000 | 46,279,000 |
| Interest-bearing deposits | 41,943,000 | 42,204,000 | 40,512,000 | 42,272,000 |
| Noninterest-bearing deposits | 3,656,000 | 3,840,000 | 4,153,000 | 4,007,000 |
| Equity capital | 2,605,000 | 2,332,000 | 2,583,000 | 2,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,500,000 | 2,298,000 | 3,081,000 |
| Interest expense | 335,000 | 675,000 | 1,017,000 | 1,358,000 |
| Net interest income | 418,000 | 825,000 | 1,281,000 | 1,723,000 |
| Noninterest income | 7,000 | 17,000 | 27,000 | 35,000 |
| Noninterest expense | 605,000 | 1,223,000 | 1,835,000 | 2,437,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -180,000 | -381,000 | -527,000 | -679,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -180,000 | -381,000 | -527,000 | -679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,784,000 | 4,583,000 | 4,436,000 | 4,285,000 |
| Total capital | 4,982,000 | 4,782,000 | 4,634,000 | 4,482,000 |
| Risk-weighted assets | 24,055,000 | 23,937,000 | 23,950,000 | 23,836,000 |