The Talbot Bank of Easton, Maryland in Easton, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Talbot Bank of Easton, Maryland - Overview

  • General
  • FDIC Certificate #: 1893
    Status: Active
    Federal Reserve ID: 796125
    Bank Holding Company (Regulatory Top Holder): Shore Bancshares, Inc. (RSSDID: 2429838, Location: Easton, MD)
    Date Established: June 08, 1885
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 1262
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 18 Dover Street, Easton, MD 21601
    County: Talbot
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Easton, MD (#20660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $707.4 mil
    Equity capital: $60.9 mil
    Deposits held in domestic offices: $626.9 mil
    Return on assets (ROA): -0.30% (-$2.1 mil)
    Quarterly return on assets: -0.04% (-$0.3 mil)
    Return on Equity (ROE): -3.35% (-$2.0 mil)
    Quarterly return on equity: -0.51% (-$0.3 mil)
    Net income: -$2.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.50% (-$3,536.9 mil)
    Quarterly Pretax return on assets: -0.08% (-$565.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 75Total employees (full-time equivalent)
  • $707,386Total assets
  • $100,277Cash and due from depository institutions
  • $92,736Interest-bearing balances
  • $47,215Securities
  • $4,980Federal funds sold & reverse repurchase agreements
  • $530,004Net loans & leases
  • $9,670Loan loss allowance
  • $0Trading account assets
  • $2,972Bank premises and fixed assets
  • $6,026Other real estate owned
  • $0Goodwill and other intangibles
  • $707,386Life insurance assets
  • $15,912All other assets
  • $646,465Total liabilities and capital
  • $626,944Total liabilities
  • $608,156Total deposits
  • $626,944Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 16654.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,867Subordinated debt
  • $60,921All other liabilities
  • $60,921Total equity capital
  • $60,921Total bank equity capital
  • $0Perpetual preferred stock
  • $5,938Common stock
  • $6,541Surplus
  • $48,442Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45,093Income earned, not collected on loans
  • $0Earning assets
  • $2,334Long-term assets (5+ years)
  • $674,935Average Assets, year-to-date
  • $43,415Average Assets, quarterly
  • $694,335Volatile liabilities
  • $709,227Insider loans
  • $551,202FHLB advances
  • $706,984Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $63,667Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $78,535Restructured Loans and leases
  • $18,815Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,991Total interest income
  • $7,453Total interest expense
  • $23,538Net interest income
  • $16,320Provision for loan and lease losses
  • $1,473Total noninterest income
  • $0Fiduciary activities
  • $1,390Service charges on deposit accounts
  • $0Trading account gains & fees
  • $83Additional noninterest income
  • $12,643Total noninterest expense
  • $4,781Salaries and employee benefits
  • $862Premises and equipment expense
  • $7,000Additional noninterest expense
  • -$3,952Pre-tax net operating income
  • $483Securities gains (losses)
  • -$1,401Applicable income taxes
  • -$2,068Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,068Net income attributable to bank
  • $0Net charge-offs
  • -$2,068Cash dividends
  • $15,961Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 1.90%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • -0.30%Return on assets (ROA)
  • -0.50%Pretax return on assets
  • -3.35%Return on equity (ROE)
  • -3.35%Retained earnings to average equity (YTD only)
  • 2.82%Net charge-offs to loans
  • 102.25%Credit loss provision to net charge-offs
  • 0.77%Efficiency ratio
  • 50,550Assets per employee
  • 9.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 21.44%Noncurrent assets plus other real estate owned to assets
  • 7.23%Noncurrent loans to loans
  • 8.36%Net loans and leases to deposits
  • 84.54%Net loans and leases to core deposits
  • 119.87%Equity capital to assets
  • 8.61%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 11.55%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $694,335Average earning assets
  • $61,762Average equity
  • $664,039Average loans

List of branches

  • 7 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01262The Talbot Bank Of Easton, Maryland18 Dover Street, Easton, MD 21601June 08, 1885Full Service Brick and Mortar
    1190391Tred Avon Square Branch210 Marlboro Road, Easton, MD 21601September 20, 1976Full Service Brick and Mortar
    2190392St. Michaels Branch1013 S. Talbot Street, St. Michaels, MD 21663August 01, 1986Full Service Brick and Mortar
    3190393Elliott Road Branch8275 Elliott Road, Easton, MD 21601October 12, 1994Full Service Brick and Mortar
    5442543Sunburst Highway Branch424 Dorchester Avenue, Cambridge, MD 21613November 01, 2004Full Service Brick and Mortar
    6476950The Talbot Bank Tilghman Branch5804 Tilghman Island Road, Tilghman, MD 21671June 06, 2008Full Service Brick and Mortar
    7493271Trappe Branch29349 Maple Avenue, Suite #1, Trappe, MD 21673June 29, 2009Full Service Brick and Mortar

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