Call reports 2008
POTOMAC BANK, INC. — 2008
What POTOMAC BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 314,514,000 | 296,586,000 | 293,907,000 | 299,098,000 |
| Total loans | 239,490,000 | 230,683,000 | 243,310,000 | 246,783,000 |
| Allowance for loan losses | 2,883,000 | 2,673,000 | 3,260,000 | 4,079,000 |
| Securities available for sale | 35,983,000 | 39,350,000 | 28,113,000 | 27,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,308,000 | 255,070,000 | 247,385,000 | 254,141,000 |
| Interest-bearing deposits | 244,467,000 | 227,998,000 | 221,259,000 | 228,619,000 |
| Noninterest-bearing deposits | 27,841,000 | 27,072,000 | 26,126,000 | 25,522,000 |
| Equity capital | 28,449,000 | 28,652,000 | 28,639,000 | 26,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,669,000 | 8,986,000 | 13,185,000 | 17,354,000 |
| Interest expense | 1,907,000 | 3,550,000 | 5,015,000 | 6,477,000 |
| Net interest income | 2,762,000 | 5,436,000 | 8,170,000 | 10,877,000 |
| Noninterest income | 1,050,000 | 2,384,000 | 3,432,000 | 4,355,000 |
| Noninterest expense | 2,248,000 | 4,419,000 | 6,834,000 | 9,414,000 |
| Provision for loan losses | 153,000 | 429,000 | 1,563,000 | 2,934,000 |
| Pretax income | 1,411,000 | 2,972,000 | 3,205,000 | 2,884,000 |
| Income tax | 493,000 | 982,000 | 1,009,000 | 886,000 |
| Net income | 918,000 | 1,990,000 | 2,196,000 | 1,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,705,000 | 29,306,000 | 29,122,000 | 28,420,000 |
| Total capital | 31,588,000 | 31,979,000 | 32,048,000 | 31,423,000 |
| Risk-weighted assets | 232,779,000 | 226,200,000 | 233,733,000 | 239,168,000 |
Machine access — free, no API key
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