Call reports 2013
TALBOT BANK OF EASTON, MARYLAND, THE — 2013
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 634,011,000 | 577,914,000 | 580,681,000 | 582,862,000 |
| Total loans | 476,410,000 | 466,840,000 | 435,606,000 | 408,744,000 |
| Allowance for loan losses | 11,333,000 | 11,257,000 | 7,484,000 | 7,084,000 |
| Securities available for sale | 54,329,000 | 42,267,000 | 47,423,000 | 52,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,346,000 | 513,161,000 | 526,444,000 | 529,654,000 |
| Interest-bearing deposits | 542,869,000 | 493,032,000 | 504,603,000 | 444,412,000 |
| Noninterest-bearing deposits | 24,477,000 | 20,129,000 | 21,841,000 | 85,242,000 |
| Equity capital | 53,396,000 | 53,040,000 | 42,211,000 | 42,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,019,000 | 12,230,000 | 18,111,000 | 23,537,000 |
| Interest expense | 1,514,000 | 2,707,000 | 3,552,000 | 4,320,000 |
| Net interest income | 4,505,000 | 9,523,000 | 14,559,000 | 19,217,000 |
| Noninterest income | -87,000 | -964,000 | -643,000 | -242,000 |
| Noninterest expense | 3,243,000 | 6,403,000 | 9,823,000 | 13,521,000 |
| Provision for loan losses | 1,800,000 | 4,050,000 | 25,343,000 | 25,693,000 |
| Pretax income | -625,000 | -1,711,000 | -21,067,000 | -20,056,000 |
| Income tax | -250,000 | -681,000 | -8,319,000 | -7,945,000 |
| Net income | -375,000 | -1,030,000 | -12,748,000 | -12,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,871,000 | 49,985,000 | 28,250,000 | 28,395,000 |
| Total capital | 60,011,000 | 56,003,000 | 33,890,000 | 33,554,000 |
| Risk-weighted assets | 484,869,000 | 475,929,000 | 449,067,000 | 410,547,000 |