Call reports 2009
POTOMAC BANK, INC. — 2009
What POTOMAC BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 309,527,000 | 302,898,000 | 306,097,000 | 301,980,000 |
| Total loans | 245,308,000 | 237,941,000 | 235,658,000 | 234,808,000 |
| Allowance for loan losses | 4,878,000 | 3,819,000 | 6,925,000 | 5,718,000 |
| Securities available for sale | 32,335,000 | 38,229,000 | 33,300,000 | 33,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,977,000 | 260,693,000 | 265,947,000 | 264,479,000 |
| Interest-bearing deposits | 238,809,000 | 232,947,000 | 239,672,000 | 236,514,000 |
| Noninterest-bearing deposits | 25,168,000 | 27,746,000 | 26,275,000 | 27,965,000 |
| Equity capital | 25,664,000 | 24,571,000 | 23,081,000 | 24,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,810,000 | 7,615,000 | 11,319,000 | 14,912,000 |
| Interest expense | 1,385,000 | 2,685,000 | 3,913,000 | 5,121,000 |
| Net interest income | 2,425,000 | 4,930,000 | 7,406,000 | 9,791,000 |
| Noninterest income | 1,022,000 | 2,069,000 | 3,395,000 | 5,014,000 |
| Noninterest expense | 2,478,000 | 5,553,000 | 8,602,000 | 11,538,000 |
| Provision for loan losses | 1,577,000 | 3,137,000 | 6,677,000 | 6,689,000 |
| Pretax income | -608,000 | -1,691,000 | -4,436,000 | -3,380,000 |
| Income tax | -292,000 | -784,000 | -1,974,000 | -1,352,000 |
| Net income | -316,000 | -907,000 | -2,462,000 | -2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,677,000 | 26,638,000 | 24,571,000 | 25,415,000 |
| Total capital | 30,695,000 | 29,573,000 | 27,493,000 | 28,293,000 |
| Risk-weighted assets | 239,546,000 | 233,882,000 | 229,737,000 | 227,371,000 |
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