Call reports 2015
TALBOT BANK OF EASTON, MARYLAND, THE — 2015
What TALBOT BANK OF EASTON, MARYLAND, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 590,550,000 | 578,240,000 | 612,210,000 | 622,123,000 |
| Total loans | 386,994,000 | 406,011,000 | 418,385,000 | 437,983,000 |
| Allowance for loan losses | 4,052,000 | 4,210,000 | 4,351,000 | 4,440,000 |
| Securities available for sale | 125,317,000 | 126,292,000 | 120,400,000 | 119,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,989,000 | 505,170,000 | 537,701,000 | 546,870,000 |
| Interest-bearing deposits | 421,455,000 | 405,845,000 | 429,604,000 | 431,213,000 |
| Noninterest-bearing deposits | 97,534,000 | 99,325,000 | 108,097,000 | 115,657,000 |
| Equity capital | 66,121,000 | 66,220,000 | 67,835,000 | 68,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,038,000 | 10,094,000 | 15,382,000 | 20,714,000 |
| Interest expense | 566,000 | 1,093,000 | 1,592,000 | 2,035,000 |
| Net interest income | 4,472,000 | 9,001,000 | 13,790,000 | 18,679,000 |
| Noninterest income | 554,000 | 1,156,000 | 1,784,000 | 2,440,000 |
| Noninterest expense | 3,596,000 | 6,941,000 | 10,324,000 | 13,682,000 |
| Provision for loan losses | 500,000 | 1,000,000 | 1,350,000 | 1,825,000 |
| Pretax income | 930,000 | 2,216,000 | 3,900,000 | 5,612,000 |
| Income tax | 361,000 | 861,000 | 1,518,000 | 2,190,000 |
| Net income | 569,000 | 1,355,000 | 2,382,000 | 3,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,438,000 | 55,151,000 | 57,328,000 | 59,692,000 |
| Total capital | 57,766,000 | 59,634,000 | 61,955,000 | 64,405,000 |
| Risk-weighted assets | 416,133,000 | 423,130,000 | 438,064,000 | 450,460,000 |