Call reports 2012
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2012
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 415,171,000 | 433,631,000 | 452,740,000 | 439,092,000 |
| Total loans | 234,543,000 | 236,820,000 | 223,648,000 | 228,127,000 |
| Allowance for loan losses | 773,000 | 763,000 | 682,000 | 780,000 |
| Securities available for sale | 46,445,000 | 43,547,000 | 77,631,000 | 72,577,000 |
| Securities held to maturity | 53,403,000 | 65,898,000 | 59,971,000 | 65,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,711,000 | 353,863,000 | 370,265,000 | 360,584,000 |
| Interest-bearing deposits | 255,950,000 | 259,216,000 | 265,055,000 | 263,858,000 |
| Noninterest-bearing deposits | 80,761,000 | 94,647,000 | 105,210,000 | 96,726,000 |
| Equity capital | 72,784,000 | 74,033,000 | 74,934,000 | 72,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,812,000 | 7,667,000 | 11,421,000 | 15,069,000 |
| Interest expense | 276,000 | 520,000 | 712,000 | 870,000 |
| Net interest income | 3,536,000 | 7,147,000 | 10,709,000 | 14,199,000 |
| Noninterest income | 471,000 | 1,005,000 | 1,533,000 | 1,800,000 |
| Noninterest expense | 2,153,000 | 4,209,000 | 6,304,000 | 8,567,000 |
| Provision for loan losses | 193,000 | 298,000 | 504,000 | 606,000 |
| Pretax income | 1,661,000 | 3,645,000 | 5,434,000 | 6,826,000 |
| Income tax | 600,000 | 1,315,000 | 1,950,000 | 2,437,000 |
| Net income | 1,061,000 | 2,330,000 | 3,484,000 | 4,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,115,000 | 73,284,000 | 74,195,000 | 72,242,000 |
| Total capital | 72,888,000 | 74,047,000 | 74,877,000 | 73,022,000 |
| Risk-weighted assets | 222,046,000 | 226,366,000 | 214,892,000 | 214,655,000 |