Call reports 2012
POTOMAC BANK, INC. — 2012
What POTOMAC BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 297,281,000 | 286,992,000 | 289,512,000 | 295,779,000 |
| Total loans | 205,918,000 | 213,832,000 | 212,883,000 | 215,008,000 |
| Allowance for loan losses | 4,401,000 | 4,452,000 | 3,699,000 | 3,644,000 |
| Securities available for sale | 38,349,000 | 41,344,000 | 37,060,000 | 31,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,096,000 | 254,624,000 | 256,661,000 | 261,588,000 |
| Interest-bearing deposits | 221,715,000 | 214,662,000 | 215,070,000 | 219,850,000 |
| Noninterest-bearing deposits | 43,381,000 | 39,962,000 | 41,591,000 | 41,738,000 |
| Equity capital | 24,782,000 | 25,215,000 | 25,706,000 | 25,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,942,000 | 5,866,000 | 8,811,000 | 11,702,000 |
| Interest expense | 459,000 | 869,000 | 1,250,000 | 1,604,000 |
| Net interest income | 2,483,000 | 4,997,000 | 7,561,000 | 10,098,000 |
| Noninterest income | 985,000 | 2,022,000 | 3,114,000 | 4,123,000 |
| Noninterest expense | 2,696,000 | 5,240,000 | 8,154,000 | 10,819,000 |
| Provision for loan losses | 309,000 | 779,000 | 806,000 | 881,000 |
| Pretax income | 463,000 | 1,000,000 | 1,715,000 | 2,521,000 |
| Income tax | 134,000 | 288,000 | 504,000 | 804,000 |
| Net income | 329,000 | 712,000 | 1,211,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,097,000 | 24,589,000 | 25,246,000 | 26,044,000 |
| Total capital | 26,696,000 | 27,237,000 | 27,866,000 | 28,641,000 |
| Risk-weighted assets | 206,103,000 | 210,983,000 | 208,562,000 | 206,814,000 |