Call reports 2013
MADISON BANK OF MARYLAND — 2013
What MADISON BANK OF MARYLAND 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 | 151,767,000 | 149,864,000 | 149,151,000 | 144,632,000 |
| Total loans | 119,713,000 | 117,705,000 | 117,433,000 | 114,618,000 |
| Allowance for loan losses | 1,581,000 | 1,574,000 | 1,618,000 | 1,790,000 |
| Securities available for sale | 620,000 | 550,000 | 526,000 | 488,000 |
| Securities held to maturity | 11,326,000 | 12,986,000 | 14,418,000 | 14,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,556,000 | 117,849,000 | 113,688,000 | 107,735,000 |
| Interest-bearing deposits | 118,625,000 | 116,561,000 | 112,474,000 | 106,719,000 |
| Noninterest-bearing deposits | 931,000 | 1,288,000 | 1,214,000 | 1,016,000 |
| Equity capital | 19,439,000 | 19,471,000 | 19,147,000 | 18,502,000 |
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 | 1,443,000 | 2,826,000 | 4,164,000 | 5,452,000 |
| Interest expense | 419,000 | 798,000 | 1,164,000 | 1,522,000 |
| Net interest income | 1,024,000 | 2,028,000 | 3,000,000 | 3,930,000 |
| Noninterest income | 41,000 | 104,000 | 124,000 | 190,000 |
| Noninterest expense | 1,075,000 | 2,063,000 | 3,484,000 | 4,662,000 |
| Provision for loan losses | -6,000 | 4,000 | 73,000 | 884,000 |
| Pretax income | -4,000 | 65,000 | -433,000 | -1,426,000 |
| Income tax | -2,000 | 25,000 | -147,000 | -500,000 |
| Net income | -2,000 | 40,000 | -286,000 | -926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,418,000 | 19,460,000 | 19,134,000 | 18,151,000 |
| Total capital | 20,547,000 | 20,573,000 | 20,235,000 | 19,214,000 |
| Risk-weighted assets | 89,876,000 | 88,571,000 | 87,572,000 | 84,344,000 |