Call reports 2009
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2009
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 371,384,000 | 386,484,000 | 400,137,000 | 388,240,000 |
| Total loans | 245,562,000 | 244,677,000 | 235,820,000 | 240,700,000 |
| Allowance for loan losses | 967,000 | 879,000 | 626,000 | 638,000 |
| Securities available for sale | 20,858,000 | 33,610,000 | 46,728,000 | 39,548,000 |
| Securities held to maturity | 34,556,000 | 39,504,000 | 39,616,000 | 38,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,132,000 | 310,058,000 | 322,201,000 | 312,674,000 |
| Interest-bearing deposits | 229,942,000 | 231,610,000 | 233,733,000 | 240,216,000 |
| Noninterest-bearing deposits | 67,190,000 | 78,448,000 | 88,468,000 | 72,458,000 |
| Equity capital | 67,542,000 | 68,290,000 | 69,349,000 | 67,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,609,000 | 9,017,000 | 13,437,000 | 17,810,000 |
| Interest expense | 726,000 | 1,375,000 | 1,977,000 | 2,542,000 |
| Net interest income | 3,883,000 | 7,642,000 | 11,460,000 | 15,268,000 |
| Noninterest income | 462,000 | 961,000 | 1,473,000 | 1,988,000 |
| Noninterest expense | 1,961,000 | 4,142,000 | 6,206,000 | 8,483,000 |
| Provision for loan losses | 333,000 | 630,000 | 497,000 | 850,000 |
| Pretax income | 2,051,000 | 3,831,000 | 6,230,000 | 7,923,000 |
| Income tax | 740,000 | 1,375,000 | 2,270,000 | 2,869,000 |
| Net income | 1,311,000 | 2,456,000 | 3,960,000 | 5,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,786,000 | 67,662,000 | 68,614,000 | 66,824,000 |
| Total capital | 67,753,000 | 68,541,000 | 69,240,000 | 67,462,000 |
| Risk-weighted assets | 221,906,000 | 222,908,000 | 216,291,000 | 220,371,000 |