Call reports 2009
TALBOT BANK OF EASTON, MARYLAND, THE — 2009
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 641,786,000 | 713,890,000 | 723,032,000 | 716,151,000 |
| Total loans | 570,311,000 | 585,334,000 | 586,872,000 | 591,766,000 |
| Allowance for loan losses | 5,644,000 | 5,650,000 | 5,433,000 | 6,151,000 |
| Securities available for sale | 47,023,000 | 44,520,000 | 51,972,000 | 51,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,727,000 | 620,029,000 | 630,052,000 | 624,088,000 |
| Interest-bearing deposits | 491,296,000 | 601,737,000 | 605,383,000 | 600,031,000 |
| Noninterest-bearing deposits | 54,430,000 | 18,292,000 | 24,669,000 | 24,057,000 |
| Equity capital | 66,110,000 | 66,042,000 | 66,314,000 | 67,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,937,000 | 18,032,000 | 27,345,000 | 36,548,000 |
| Interest expense | 2,602,000 | 5,319,000 | 8,045,000 | 10,450,000 |
| Net interest income | 6,335,000 | 12,713,000 | 19,300,000 | 26,098,000 |
| Noninterest income | 553,000 | 1,621,000 | 2,260,000 | 2,874,000 |
| Noninterest expense | 3,029,000 | 6,493,000 | 9,674,000 | 12,679,000 |
| Provision for loan losses | 360,000 | 1,110,000 | 2,150,000 | 4,560,000 |
| Pretax income | 3,499,000 | 6,731,000 | 9,736,000 | 11,733,000 |
| Income tax | 1,380,000 | 2,653,000 | 3,817,000 | 4,507,000 |
| Net income | 2,119,000 | 4,078,000 | 5,919,000 | 7,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,447,000 | 65,507,000 | 66,231,000 | 67,539,000 |
| Total capital | 71,354,000 | 71,419,000 | 71,931,000 | 73,953,000 |
| Risk-weighted assets | 570,938,000 | 604,591,000 | 607,187,000 | 602,944,000 |