Call reports 2005
POTOMAC BANK, INC. — 2005
What POTOMAC BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 259,997,000 | 264,146,000 | 275,441,000 | 277,067,000 |
| Total loans | 192,944,000 | 200,562,000 | 209,419,000 | 210,435,000 |
| Allowance for loan losses | 2,015,000 | 2,092,000 | 2,205,000 | 2,161,000 |
| Securities available for sale | 46,943,000 | 47,038,000 | 46,946,000 | 46,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,404,000 | 212,788,000 | 231,189,000 | 229,941,000 |
| Interest-bearing deposits | 176,029,000 | 175,006,000 | 195,056,000 | 197,266,000 |
| Noninterest-bearing deposits | 32,375,000 | 37,782,000 | 36,133,000 | 32,675,000 |
| Equity capital | 22,943,000 | 23,519,000 | 24,209,000 | 24,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,407,000 | 7,124,000 | 11,177,000 | 15,424,000 |
| Interest expense | 779,000 | 1,694,000 | 2,835,000 | 4,135,000 |
| Net interest income | 2,628,000 | 5,430,000 | 8,342,000 | 11,289,000 |
| Noninterest income | 773,000 | 1,687,000 | 2,641,000 | 3,554,000 |
| Noninterest expense | 1,952,000 | 3,955,000 | 6,121,000 | 8,366,000 |
| Provision for loan losses | 64,000 | 177,000 | 311,000 | 330,000 |
| Pretax income | 1,385,000 | 2,985,000 | 4,551,000 | 5,778,000 |
| Income tax | 485,000 | 1,057,000 | 1,635,000 | 2,051,000 |
| Net income | 900,000 | 1,928,000 | 2,916,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,326,000 | 23,824,000 | 24,523,000 | 24,987,000 |
| Total capital | 25,341,000 | 25,916,000 | 26,728,000 | 27,148,000 |
| Risk-weighted assets | 190,061,000 | 195,737,000 | 203,262,000 | 199,320,000 |
Machine access — free, no API key
Every figure shown here about POTOMAC BANK, INC. — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.