Call reports 2015
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2015
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 454,014,000 | 459,322,000 | 483,018,000 | 463,743,000 |
| Total loans | 233,503,000 | 236,027,000 | 235,749,000 | 244,131,000 |
| Allowance for loan losses | 988,000 | 1,052,000 | 978,000 | 889,000 |
| Securities available for sale | 42,231,000 | 42,192,000 | 37,152,000 | 40,942,000 |
| Securities held to maturity | 87,798,000 | 82,826,000 | 87,630,000 | 85,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,326,000 | 375,362,000 | 396,920,000 | 382,354,000 |
| Interest-bearing deposits | 258,996,000 | 257,410,000 | 268,111,000 | 262,853,000 |
| Noninterest-bearing deposits | 112,330,000 | 117,952,000 | 128,809,000 | 119,501,000 |
| Equity capital | 76,007,000 | 76,934,000 | 78,055,000 | 76,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,446,000 | 6,984,000 | 10,589,000 | 14,183,000 |
| Interest expense | 92,000 | 180,000 | 271,000 | 360,000 |
| Net interest income | 3,354,000 | 6,804,000 | 10,318,000 | 13,823,000 |
| Noninterest income | 472,000 | 1,018,000 | 1,503,000 | 2,010,000 |
| Noninterest expense | 2,039,000 | 4,169,000 | 6,334,000 | 8,680,000 |
| Provision for loan losses | 80,000 | 165,000 | 165,000 | 57,000 |
| Pretax income | 1,707,000 | 3,489,000 | 5,324,000 | 7,107,000 |
| Income tax | 610,000 | 1,245,000 | 1,906,000 | 2,541,000 |
| Net income | 1,097,000 | 2,244,000 | 3,418,000 | 4,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,423,000 | 76,398,000 | 77,485,000 | 75,695,000 |
| Total capital | 76,411,000 | 77,450,000 | 78,463,000 | 76,584,000 |
| Risk-weighted assets | 222,793,000 | 233,239,000 | 233,600,000 | 241,719,000 |