Call reports 2012
TALBOT BANK OF EASTON, MARYLAND, THE — 2012
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 711,631,000 | 709,114,000 | 712,276,000 | 713,405,000 |
| Total loans | 518,634,000 | 504,373,000 | 502,820,000 | 480,770,000 |
| Allowance for loan losses | 9,333,000 | 8,556,000 | 8,789,000 | 11,663,000 |
| Securities available for sale | 42,031,000 | 52,224,000 | 54,900,000 | 53,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 638,576,000 | 634,712,000 | 640,413,000 | 644,913,000 |
| Interest-bearing deposits | 616,405,000 | 611,539,000 | 619,110,000 | 624,763,000 |
| Noninterest-bearing deposits | 22,171,000 | 23,173,000 | 21,303,000 | 20,150,000 |
| Equity capital | 57,524,000 | 59,330,000 | 57,225,000 | 52,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,034,000 | 13,893,000 | 20,492,000 | 26,756,000 |
| Interest expense | 1,872,000 | 3,758,000 | 5,679,000 | 7,573,000 |
| Net interest income | 5,162,000 | 10,135,000 | 14,813,000 | 19,183,000 |
| Noninterest income | 84,000 | 455,000 | 337,000 | -710,000 |
| Noninterest expense | 3,488,000 | 6,699,000 | 9,953,000 | 13,056,000 |
| Provision for loan losses | 7,770,000 | 10,770,000 | 16,270,000 | 25,470,000 |
| Pretax income | -6,012,000 | -6,879,000 | -11,073,000 | -20,053,000 |
| Income tax | -2,374,000 | -2,719,000 | -4,376,000 | -7,881,000 |
| Net income | -3,638,000 | -4,160,000 | -6,697,000 | -12,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,030,000 | 61,508,000 | 58,970,000 | 53,496,000 |
| Total capital | 66,772,000 | 68,091,000 | 65,523,000 | 59,768,000 |
| Risk-weighted assets | 535,748,000 | 523,288,000 | 520,554,000 | 495,225,000 |