Call reports 2011
POTOMAC BANK, INC. — 2011
What POTOMAC BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 310,411,000 | 298,813,000 | 292,777,000 | 286,426,000 |
| Total loans | 212,516,000 | 210,141,000 | 207,371,000 | 207,443,000 |
| Allowance for loan losses | 4,845,000 | 4,113,000 | 5,263,000 | 4,484,000 |
| Securities available for sale | 51,827,000 | 54,764,000 | 44,751,000 | 41,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,537,000 | 258,728,000 | 257,713,000 | 253,123,000 |
| Interest-bearing deposits | 245,535,000 | 232,005,000 | 227,976,000 | 216,067,000 |
| Noninterest-bearing deposits | 27,002,000 | 26,723,000 | 29,737,000 | 37,056,000 |
| Equity capital | 25,978,000 | 26,461,000 | 24,741,000 | 24,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,224,000 | 6,362,000 | 9,524,000 | 12,571,000 |
| Interest expense | 925,000 | 1,708,000 | 2,343,000 | 2,900,000 |
| Net interest income | 2,299,000 | 4,654,000 | 7,181,000 | 9,671,000 |
| Noninterest income | 948,000 | 1,977,000 | 2,765,000 | 4,025,000 |
| Noninterest expense | 2,509,000 | 5,466,000 | 9,874,000 | 12,508,000 |
| Provision for loan losses | 423,000 | 599,000 | 2,726,000 | 3,343,000 |
| Pretax income | 315,000 | 566,000 | -2,654,000 | -2,155,000 |
| Income tax | 46,000 | 74,000 | -1,345,000 | -1,219,000 |
| Net income | 269,000 | 492,000 | -1,309,000 | -936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,206,000 | 26,403,000 | 23,832,000 | 23,703,000 |
| Total capital | 28,884,000 | 29,060,000 | 26,487,000 | 26,331,000 |
| Risk-weighted assets | 212,077,000 | 211,259,000 | 209,787,000 | 208,279,000 |