Call reports 2008
TALBOT BANK OF EASTON, MARYLAND, THE — 2008
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 572,997,000 | 590,609,000 | 604,248,000 | 612,566,000 |
| Total loans | 490,476,000 | 514,010,000 | 528,306,000 | 547,513,000 |
| Allowance for loan losses | 4,927,000 | 4,974,000 | 5,208,000 | 5,536,000 |
| Securities available for sale | 51,198,000 | 47,839,000 | 50,915,000 | 49,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,952,000 | 474,333,000 | 489,865,000 | 498,641,000 |
| Interest-bearing deposits | 416,169,000 | 420,497,000 | 427,996,000 | 449,243,000 |
| Noninterest-bearing deposits | 49,783,000 | 53,835,000 | 61,869,000 | 49,398,000 |
| Equity capital | 61,278,000 | 61,793,000 | 63,353,000 | 65,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,483,000 | 18,558,000 | 27,880,000 | 37,066,000 |
| Interest expense | 3,411,000 | 6,656,000 | 9,861,000 | 12,651,000 |
| Net interest income | 6,072,000 | 11,902,000 | 18,019,000 | 24,415,000 |
| Noninterest income | 555,000 | 1,183,000 | 1,796,000 | 2,372,000 |
| Noninterest expense | 2,743,000 | 5,496,000 | 8,172,000 | 10,948,000 |
| Provision for loan losses | 270,000 | 545,000 | 830,000 | 1,465,000 |
| Pretax income | 3,614,000 | 7,044,000 | 10,813,000 | 14,374,000 |
| Income tax | 1,424,000 | 2,777,000 | 4,265,000 | 5,670,000 |
| Net income | 2,190,000 | 4,267,000 | 6,548,000 | 8,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,527,000 | 61,726,000 | 63,086,000 | 64,302,000 |
| Total capital | 65,690,000 | 66,945,000 | 68,548,000 | 70,101,000 |
| Risk-weighted assets | 505,906,000 | 529,210,000 | 545,982,000 | 556,417,000 |