Call reports 2016
CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND — 2016
What CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 466,178,000 | 492,698,000 | 509,748,000 | 486,158,000 |
| Total loans | 255,326,000 | 265,575,000 | 258,417,000 | 266,361,000 |
| Allowance for loan losses | 1,017,000 | 1,076,000 | 1,019,000 | 717,000 |
| Securities available for sale | 41,166,000 | 38,324,000 | 37,188,000 | 35,869,000 |
| Securities held to maturity | 85,175,000 | 83,102,000 | 78,454,000 | 81,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,388,000 | 406,911,000 | 423,301,000 | 404,315,000 |
| Interest-bearing deposits | 265,516,000 | 268,409,000 | 276,723,000 | 276,584,000 |
| Noninterest-bearing deposits | 116,872,000 | 138,502,000 | 146,578,000 | 127,731,000 |
| Equity capital | 77,242,000 | 78,674,000 | 79,791,000 | 77,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,724,000 | 7,560,000 | 11,454,000 | 15,301,000 |
| Interest expense | 89,000 | 177,000 | 267,000 | 357,000 |
| Net interest income | 3,635,000 | 7,383,000 | 11,187,000 | 14,944,000 |
| Noninterest income | 489,000 | 1,043,000 | 1,636,000 | 2,144,000 |
| Noninterest expense | 2,231,000 | 4,419,000 | 6,710,000 | 9,383,000 |
| Provision for loan losses | 332,000 | 390,000 | 340,000 | 40,000 |
| Pretax income | 1,560,000 | 3,617,000 | 5,774,000 | 7,665,000 |
| Income tax | 548,000 | 1,293,000 | 2,085,000 | 2,757,000 |
| Net income | 1,012,000 | 2,324,000 | 3,689,000 | 4,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,706,000 | 78,019,000 | 79,227,000 | 77,590,000 |
| Total capital | 77,723,000 | 79,095,000 | 80,246,000 | 78,307,000 |
| Risk-weighted assets | 254,315,000 | 263,090,000 | 257,576,000 | 269,267,000 |