Call reports 2003
TALBOT BANK OF EASTON, MARYLAND, THE — 2003
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 404,579,000 | 403,937,000 | 436,246,000 | 424,648,000 |
| Total loans | 311,498,000 | 309,432,000 | 305,082,000 | 316,918,000 |
| Allowance for loan losses | 2,834,000 | 2,869,000 | 2,830,000 | 2,746,000 |
| Securities available for sale | 64,468,000 | 55,130,000 | 72,576,000 | 86,535,000 |
| Securities held to maturity | 795,000 | 782,000 | 185,000 | 171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,469,000 | 335,141,000 | 364,081,000 | 358,523,000 |
| Interest-bearing deposits | 297,509,000 | 290,066,000 | 315,665,000 | 314,271,000 |
| Noninterest-bearing deposits | 37,960,000 | 45,075,000 | 48,416,000 | 44,252,000 |
| Equity capital | 45,461,000 | 46,068,000 | 44,719,000 | 45,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,368,000 | 10,693,000 | 15,849,000 | 21,290,000 |
| Interest expense | 1,567,000 | 3,075,000 | 4,493,000 | 5,812,000 |
| Net interest income | 3,801,000 | 7,618,000 | 11,356,000 | 15,478,000 |
| Noninterest income | 351,000 | 720,000 | 1,078,000 | 1,450,000 |
| Noninterest expense | 1,957,000 | 3,852,000 | 5,727,000 | 7,692,000 |
| Provision for loan losses | 90,000 | 160,000 | 235,000 | 335,000 |
| Pretax income | 2,381,000 | 4,602,000 | 6,839,000 | 9,268,000 |
| Income tax | 867,000 | 1,680,000 | 2,501,000 | 3,389,000 |
| Net income | 1,514,000 | 2,922,000 | 4,338,000 | 5,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,993,000 | 45,649,000 | 44,584,000 | 45,688,000 |
| Total capital | 47,889,000 | 48,581,000 | 47,479,000 | 48,500,000 |
| Risk-weighted assets | 317,063,000 | 315,925,000 | 324,328,000 | 329,675,000 |