Call reports 2016
MADISON BANK OF MARYLAND — 2016
What MADISON BANK OF MARYLAND reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 139,351,000 | 135,585,000 | 132,620,000 | 129,197,000 |
| Total loans | 94,008,000 | 92,593,000 | 90,885,000 | 87,248,000 |
| Allowance for loan losses | 1,306,000 | 1,227,000 | 1,219,000 | 1,218,000 |
| Securities available for sale | 3,543,000 | 2,489,000 | 1,438,000 | 3,698,000 |
| Securities held to maturity | 21,289,000 | 20,072,000 | 20,136,000 | 18,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,248,000 | 96,491,000 | 95,445,000 | 96,448,000 |
| Interest-bearing deposits | 95,478,000 | 93,080,000 | 92,148,000 | 91,562,000 |
| Noninterest-bearing deposits | 4,770,000 | 3,411,000 | 3,297,000 | 4,886,000 |
| Equity capital | 25,103,000 | 25,011,000 | 24,726,000 | 23,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,308,000 | 3,419,000 | 4,547,000 |
| Interest expense | 327,000 | 662,000 | 977,000 | 1,397,000 |
| Net interest income | 827,000 | 1,646,000 | 2,442,000 | 3,150,000 |
| Noninterest income | 54,000 | 103,000 | 147,000 | 181,000 |
| Noninterest expense | 997,000 | 1,962,000 | 3,267,000 | 4,439,000 |
| Provision for loan losses | -255,000 | -251,000 | -257,000 | -258,000 |
| Pretax income | 164,000 | 65,000 | -390,000 | -820,000 |
| Income tax | 128,000 | 150,000 | 9,000 | 771,000 |
| Net income | 36,000 | -85,000 | -399,000 | -1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,061,000 | 24,974,000 | 24,694,000 | 23,541,000 |
| Total capital | 25,947,000 | 25,830,000 | 25,542,000 | 24,357,000 |
| Risk-weighted assets | 70,528,000 | 68,015,000 | 67,501,000 | 64,946,000 |