Call reports 2005
TALBOT BANK OF EASTON, MARYLAND, THE — 2005
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 456,632,000 | 453,838,000 | 466,331,000 | 466,383,000 |
| Total loans | 345,824,000 | 353,241,000 | 347,674,000 | 362,189,000 |
| Allowance for loan losses | 2,750,000 | 2,838,000 | 2,948,000 | 3,110,000 |
| Securities available for sale | 63,795,000 | 62,063,000 | 69,810,000 | 63,347,000 |
| Securities held to maturity | 104,000 | 90,000 | 76,000 | 62,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,795,000 | 379,067,000 | 390,289,000 | 389,068,000 |
| Interest-bearing deposits | 334,043,000 | 328,129,000 | 338,519,000 | 334,842,000 |
| Noninterest-bearing deposits | 48,753,000 | 50,939,000 | 51,770,000 | 54,226,000 |
| Equity capital | 45,900,000 | 47,360,000 | 48,609,000 | 49,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,178,000 | 12,691,000 | 19,728,000 | 27,032,000 |
| Interest expense | 1,453,000 | 3,038,000 | 4,911,000 | 6,808,000 |
| Net interest income | 4,725,000 | 9,653,000 | 14,817,000 | 20,224,000 |
| Noninterest income | 362,000 | 777,000 | 1,204,000 | 1,670,000 |
| Noninterest expense | 2,257,000 | 4,464,000 | 6,704,000 | 9,016,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 2,707,000 | 5,693,000 | 8,894,000 | 12,330,000 |
| Income tax | 1,032,000 | 2,169,000 | 3,387,000 | 4,807,000 |
| Net income | 1,675,000 | 3,524,000 | 5,507,000 | 7,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,508,000 | 47,754,000 | 49,083,000 | 50,374,000 |
| Total capital | 49,329,000 | 50,664,000 | 52,105,000 | 53,659,000 |
| Risk-weighted assets | 390,017,000 | 396,046,000 | 388,605,000 | 415,391,000 |