Call reports 2004
TALBOT BANK OF EASTON, MARYLAND, THE — 2004
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 437,046,000 | 437,730,000 | 433,356,000 | 440,449,000 |
| Total loans | 327,847,000 | 336,071,000 | 342,984,000 | 352,602,000 |
| Allowance for loan losses | 2,620,000 | 2,581,000 | 2,587,000 | 2,694,000 |
| Securities available for sale | 71,390,000 | 64,675,000 | 63,472,000 | 56,130,000 |
| Securities held to maturity | 158,000 | 145,000 | 131,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,751,000 | 366,258,000 | 357,916,000 | 367,914,000 |
| Interest-bearing deposits | 326,309,000 | 320,787,000 | 310,109,000 | 319,420,000 |
| Noninterest-bearing deposits | 39,442,000 | 45,470,000 | 47,807,000 | 48,494,000 |
| Equity capital | 44,551,000 | 44,392,000 | 45,997,000 | 46,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,256,000 | 10,488,000 | 16,059,000 | 21,885,000 |
| Interest expense | 1,275,000 | 2,535,000 | 3,818,000 | 5,137,000 |
| Net interest income | 3,981,000 | 7,953,000 | 12,241,000 | 16,748,000 |
| Noninterest income | 353,000 | 764,000 | 1,168,000 | 1,627,000 |
| Noninterest expense | 1,958,000 | 3,977,000 | 5,961,000 | 8,108,000 |
| Provision for loan losses | 105,000 | 195,000 | 285,000 | 665,000 |
| Pretax income | 2,278,000 | 4,552,000 | 7,169,000 | 9,182,000 |
| Income tax | 845,000 | 1,703,000 | 2,677,000 | 3,447,000 |
| Net income | 1,433,000 | 2,849,000 | 4,492,000 | 5,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,062,000 | 44,949,000 | 45,994,000 | 46,857,000 |
| Total capital | 46,749,000 | 47,597,000 | 48,649,000 | 49,620,000 |
| Risk-weighted assets | 342,630,000 | 353,324,000 | 370,527,000 | 392,288,000 |