Call reports 2002
TALBOT BANK OF EASTON, MARYLAND, THE — 2002
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 369,737,000 | 382,796,000 | 390,283,000 | 403,684,000 |
| Total loans | 269,723,000 | 285,751,000 | 290,357,000 | 298,941,000 |
| Allowance for loan losses | 2,902,000 | 2,929,000 | 2,714,000 | 2,770,000 |
| Securities available for sale | 59,433,000 | 60,189,000 | 57,543,000 | 65,692,000 |
| Securities held to maturity | 2,468,000 | 2,456,000 | 2,444,000 | 1,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,242,000 | 313,270,000 | 322,856,000 | 337,317,000 |
| Interest-bearing deposits | 271,632,000 | 275,297,000 | 283,281,000 | 298,934,000 |
| Noninterest-bearing deposits | 33,609,000 | 37,973,000 | 39,576,000 | 38,384,000 |
| Equity capital | 44,998,000 | 43,071,000 | 43,873,000 | 44,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,331,000 | 10,931,000 | 16,696,000 | 22,292,000 |
| Interest expense | 1,816,000 | 3,659,000 | 5,433,000 | 7,119,000 |
| Net interest income | 3,515,000 | 7,272,000 | 11,263,000 | 15,173,000 |
| Noninterest income | 357,000 | 739,000 | 1,093,000 | 1,501,000 |
| Noninterest expense | 1,838,000 | 3,635,000 | 5,374,000 | 7,181,000 |
| Provision for loan losses | 54,000 | 120,000 | 186,000 | 265,000 |
| Pretax income | 1,980,000 | 4,256,000 | 6,796,000 | 9,228,000 |
| Income tax | 701,000 | 1,517,000 | 2,437,000 | 3,316,000 |
| Net income | 1,279,000 | 2,739,000 | 4,359,000 | 5,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,488,000 | 42,298,000 | 43,045,000 | 43,980,000 |
| Total capital | 47,441,000 | 45,281,000 | 45,816,000 | 46,810,000 |
| Risk-weighted assets | 280,959,000 | 291,955,000 | 301,400,000 | 310,351,000 |