Call reports 2006
TALBOT BANK OF EASTON, MARYLAND, THE — 2006
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 472,061,000 | 490,431,000 | 515,118,000 | 518,057,000 |
| Total loans | 367,996,000 | 400,250,000 | 407,162,000 | 418,135,000 |
| Allowance for loan losses | 3,146,000 | 3,254,000 | 3,551,000 | 3,929,000 |
| Securities available for sale | 63,212,000 | 60,926,000 | 62,605,000 | 64,603,000 |
| Securities held to maturity | 145,000 | 133,000 | 18,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,093,000 | 390,085,000 | 419,950,000 | 425,464,000 |
| Interest-bearing deposits | 341,649,000 | 336,926,000 | 366,269,000 | 372,757,000 |
| Noninterest-bearing deposits | 51,444,000 | 53,159,000 | 53,681,000 | 52,707,000 |
| Equity capital | 50,873,000 | 52,335,000 | 54,078,000 | 55,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,413,000 | 15,412,000 | 24,317,000 | 33,199,000 |
| Interest expense | 1,947,000 | 4,144,000 | 7,300,000 | 10,682,000 |
| Net interest income | 5,466,000 | 11,268,000 | 17,017,000 | 22,517,000 |
| Noninterest income | 439,000 | 908,000 | 1,407,000 | 1,904,000 |
| Noninterest expense | 2,565,000 | 4,896,000 | 7,249,000 | 9,662,000 |
| Provision for loan losses | 165,000 | 330,000 | 695,000 | 1,145,000 |
| Pretax income | 3,175,000 | 6,950,000 | 10,480,000 | 13,614,000 |
| Income tax | 1,233,000 | 2,703,000 | 4,082,000 | 5,244,000 |
| Net income | 1,942,000 | 4,247,000 | 6,398,000 | 8,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,599,000 | 53,193,000 | 54,572,000 | 55,739,000 |
| Total capital | 54,920,000 | 56,622,000 | 58,298,000 | 59,844,000 |
| Risk-weighted assets | 436,229,000 | 452,236,000 | 467,892,000 | 451,910,000 |