Call reports 2012
MADISON BANK OF MARYLAND — 2012
What MADISON BANK OF MARYLAND 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 | 147,688,000 | 153,226,000 | 154,722,000 | 154,402,000 |
| Total loans | 116,536,000 | 119,616,000 | 121,985,000 | 120,238,000 |
| Allowance for loan losses | 2,373,000 | 2,428,000 | 2,408,000 | 1,624,000 |
| Securities available for sale | 1,419,000 | 873,000 | 809,000 | 698,000 |
| Securities held to maturity | 12,901,000 | 13,205,000 | 12,144,000 | 13,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,547,000 | 121,004,000 | 122,458,000 | 122,337,000 |
| Interest-bearing deposits | 114,767,000 | 120,246,000 | 121,293,000 | 121,303,000 |
| Noninterest-bearing deposits | 780,000 | 758,000 | 1,165,000 | 1,034,000 |
| Equity capital | 19,591,000 | 19,622,000 | 19,648,000 | 19,443,000 |
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 | 1,511,000 | 3,039,000 | 4,518,000 | 5,962,000 |
| Interest expense | 463,000 | 919,000 | 1,373,000 | 1,819,000 |
| Net interest income | 1,048,000 | 2,120,000 | 3,145,000 | 4,143,000 |
| Noninterest income | 33,000 | 57,000 | 78,000 | 132,000 |
| Noninterest expense | 1,071,000 | 2,055,000 | 3,085,000 | 4,200,000 |
| Provision for loan losses | 36,000 | 104,000 | 84,000 | 376,000 |
| Pretax income | -25,000 | 19,000 | 55,000 | -300,000 |
| Income tax | -11,000 | 7,000 | 20,000 | -139,000 |
| Net income | -14,000 | 12,000 | 35,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,567,000 | 19,593,000 | 19,616,000 | 19,420,000 |
| Total capital | 20,684,000 | 20,735,000 | 20,780,000 | 20,563,000 |
| Risk-weighted assets | 88,090,000 | 90,059,000 | 91,866,000 | 90,997,000 |