Call reports 2005
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2005
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 393,953,000 | 403,941,000 | 405,796,000 | 383,085,000 |
| Total loans | 173,801,000 | 191,457,000 | 198,137,000 | 206,633,000 |
| Allowance for loan losses | 2,193,000 | 2,192,000 | 2,193,000 | 2,191,000 |
| Securities available for sale | 2,726,000 | 2,923,000 | 2,816,000 | 2,783,000 |
| Securities held to maturity | 144,855,000 | 138,819,000 | 135,561,000 | 112,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,107,000 | 332,643,000 | 331,922,000 | 310,876,000 |
| Interest-bearing deposits | 241,688,000 | 245,863,000 | 238,130,000 | 222,622,000 |
| Noninterest-bearing deposits | 83,419,000 | 86,780,000 | 93,792,000 | 88,254,000 |
| Equity capital | 62,915,000 | 64,154,000 | 65,974,000 | 60,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,914,000 | 8,188,000 | 12,829,000 | 17,601,000 |
| Interest expense | 362,000 | 750,000 | 1,208,000 | 1,770,000 |
| Net interest income | 3,552,000 | 7,438,000 | 11,621,000 | 15,831,000 |
| Noninterest income | 430,000 | 902,000 | 1,362,000 | 1,799,000 |
| Noninterest expense | 1,674,000 | 3,418,000 | 5,119,000 | 7,136,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,308,000 | 4,922,000 | 7,864,000 | 10,494,000 |
| Income tax | 825,000 | 1,760,000 | 2,810,000 | 3,750,000 |
| Net income | 1,483,000 | 3,162,000 | 5,054,000 | 6,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,564,000 | 63,673,000 | 65,564,000 | 60,558,000 |
| Total capital | 64,589,000 | 65,865,000 | 67,757,000 | 62,749,000 |
| Risk-weighted assets | 161,660,000 | 179,567,000 | 184,209,000 | 190,787,000 |