Call reports 2004
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2004
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 377,968,000 | 390,415,000 | 406,834,000 | 387,727,000 |
| Total loans | 165,229,000 | 165,288,000 | 160,474,000 | 163,688,000 |
| Allowance for loan losses | 2,188,000 | 2,191,000 | 2,185,000 | 2,178,000 |
| Securities available for sale | 6,648,000 | 6,543,000 | 6,708,000 | 2,656,000 |
| Securities held to maturity | 136,103,000 | 147,220,000 | 158,483,000 | 155,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,225,000 | 322,755,000 | 337,737,000 | 319,783,000 |
| Interest-bearing deposits | 244,257,000 | 239,493,000 | 240,937,000 | 241,230,000 |
| Noninterest-bearing deposits | 67,968,000 | 83,262,000 | 96,800,000 | 78,553,000 |
| Equity capital | 60,167,000 | 61,253,000 | 62,428,000 | 61,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,720,000 | 7,441,000 | 11,248,000 | 15,183,000 |
| Interest expense | 402,000 | 787,000 | 1,170,000 | 1,554,000 |
| Net interest income | 3,318,000 | 6,654,000 | 10,078,000 | 13,629,000 |
| Noninterest income | 418,000 | 873,000 | 1,324,000 | 1,738,000 |
| Noninterest expense | 1,676,000 | 3,356,000 | 4,999,000 | 6,770,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,060,000 | 4,170,000 | 6,402,000 | 8,597,000 |
| Income tax | 735,000 | 1,475,000 | 2,265,000 | 3,025,000 |
| Net income | 1,325,000 | 2,695,000 | 4,137,000 | 5,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,735,000 | 60,956,000 | 62,023,000 | 61,260,000 |
| Total capital | 61,676,000 | 62,958,000 | 63,957,000 | 63,174,000 |
| Risk-weighted assets | 155,005,000 | 159,955,000 | 154,472,000 | 152,889,000 |