Call reports 2007
POTOMAC BANK, INC. — 2007
What POTOMAC BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 306,114,000 | 292,271,000 | 292,436,000 | 297,707,000 |
| Total loans | 230,910,000 | 226,268,000 | 226,388,000 | 232,740,000 |
| Allowance for loan losses | 2,437,000 | 2,406,000 | 2,405,000 | 2,779,000 |
| Securities available for sale | 45,309,000 | 42,105,000 | 40,386,000 | 39,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,669,000 | 251,362,000 | 248,615,000 | 253,430,000 |
| Interest-bearing deposits | 234,735,000 | 221,596,000 | 221,026,000 | 225,380,000 |
| Noninterest-bearing deposits | 29,934,000 | 29,766,000 | 27,589,000 | 28,050,000 |
| Equity capital | 26,972,000 | 27,556,000 | 28,101,000 | 28,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,956,000 | 9,970,000 | 14,869,000 | 19,689,000 |
| Interest expense | 2,132,000 | 4,112,000 | 6,193,000 | 8,161,000 |
| Net interest income | 2,824,000 | 5,858,000 | 8,676,000 | 11,528,000 |
| Noninterest income | 949,000 | 2,037,000 | 3,222,000 | 4,364,000 |
| Noninterest expense | 2,202,000 | 4,530,000 | 6,924,000 | 9,456,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 678,000 |
| Pretax income | 1,571,000 | 3,365,000 | 4,875,000 | 5,759,000 |
| Income tax | 561,000 | 1,204,000 | 1,739,000 | 2,054,000 |
| Net income | 1,010,000 | 2,161,000 | 3,136,000 | 3,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,938,000 | 28,688,000 | 28,938,000 | 29,035,000 |
| Total capital | 30,375,000 | 31,094,000 | 31,343,000 | 31,814,000 |
| Risk-weighted assets | 219,996,000 | 218,599,000 | 221,414,000 | 225,389,000 |
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