Call reports 2015
MADISON BANK OF MARYLAND — 2015
What MADISON BANK OF MARYLAND 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 | 141,116,000 | 136,958,000 | 134,421,000 | 134,288,000 |
| Total loans | 101,535,000 | 98,529,000 | 95,646,000 | 94,686,000 |
| Allowance for loan losses | 1,723,000 | 1,725,000 | 1,622,000 | 1,561,000 |
| Securities available for sale | 474,000 | 2,437,000 | 3,952,000 | 8,480,000 |
| Securities held to maturity | 12,836,000 | 9,540,000 | 8,338,000 | 9,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,569,000 | 97,231,000 | 94,898,000 | 95,200,000 |
| Interest-bearing deposits | 96,387,000 | 95,951,000 | 92,886,000 | 90,909,000 |
| Noninterest-bearing deposits | 2,182,000 | 1,280,000 | 2,012,000 | 4,291,000 |
| Equity capital | 25,619,000 | 25,472,000 | 25,242,000 | 24,982,000 |
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 | 1,223,000 | 2,422,000 | 3,649,000 | 4,773,000 |
| Interest expense | 324,000 | 645,000 | 967,000 | 1,287,000 |
| Net interest income | 899,000 | 1,777,000 | 2,682,000 | 3,486,000 |
| Noninterest income | 53,000 | 103,000 | 163,000 | 218,000 |
| Noninterest expense | 1,099,000 | 2,115,000 | 3,207,000 | 4,251,000 |
| Provision for loan losses | 6,000 | 1,000 | -4,000 | 1,000 |
| Pretax income | -153,000 | -236,000 | -358,000 | -546,000 |
| Income tax | 19,000 | 105,000 | 262,000 | 334,000 |
| Net income | -172,000 | -341,000 | -620,000 | -880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,604,000 | 25,465,000 | 25,220,000 | 24,993,000 |
| Total capital | 26,556,000 | 26,389,000 | 26,141,000 | 25,897,000 |
| Risk-weighted assets | 75,480,000 | 73,133,000 | 73,012,000 | 71,711,000 |