Call reports 2007
TALBOT BANK OF EASTON, MARYLAND, THE — 2007
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 532,158,000 | 509,236,000 | 520,523,000 | 530,814,000 |
| Total loans | 409,617,000 | 430,374,000 | 442,990,000 | 461,250,000 |
| Allowance for loan losses | 4,123,000 | 4,329,000 | 4,521,000 | 4,684,000 |
| Securities available for sale | 64,672,000 | 62,154,000 | 58,672,000 | 55,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,955,000 | 411,139,000 | 416,411,000 | 423,467,000 |
| Interest-bearing deposits | 378,215,000 | 356,758,000 | 363,080,000 | 374,056,000 |
| Noninterest-bearing deposits | 49,740,000 | 54,381,000 | 53,331,000 | 49,411,000 |
| Equity capital | 56,763,000 | 58,096,000 | 59,968,000 | 59,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,198,000 | 18,527,000 | 28,103,000 | 37,825,000 |
| Interest expense | 3,325,000 | 6,555,000 | 9,877,000 | 13,280,000 |
| Net interest income | 5,873,000 | 11,972,000 | 18,226,000 | 24,545,000 |
| Noninterest income | 449,000 | 975,000 | 1,447,000 | 2,032,000 |
| Noninterest expense | 2,652,000 | 5,234,000 | 7,750,000 | 10,290,000 |
| Provision for loan losses | 190,000 | 410,000 | 665,000 | 935,000 |
| Pretax income | 3,480,000 | 7,303,000 | 11,258,000 | 15,352,000 |
| Income tax | 1,341,000 | 2,818,000 | 4,340,000 | 5,881,000 |
| Net income | 2,139,000 | 4,485,000 | 6,918,000 | 9,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,013,000 | 58,481,000 | 59,993,000 | 59,298,000 |
| Total capital | 61,312,000 | 63,027,000 | 64,732,000 | 64,209,000 |
| Risk-weighted assets | 443,150,000 | 448,489,000 | 461,729,000 | 473,288,000 |