Call reports 2013
POTOMAC BANK, INC. — 2013
What POTOMAC BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 295,907,000 | 298,129,000 | 293,563,000 | 295,862,000 |
| Total loans | 220,864,000 | 224,013,000 | 225,032,000 | 231,385,000 |
| Allowance for loan losses | 3,493,000 | 3,414,000 | 3,411,000 | 3,121,000 |
| Securities available for sale | 31,193,000 | 28,946,000 | 32,128,000 | 31,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,579,000 | 260,589,000 | 254,948,000 | 259,213,000 |
| Interest-bearing deposits | 217,945,000 | 216,099,000 | 211,192,000 | 214,120,000 |
| Noninterest-bearing deposits | 44,634,000 | 44,490,000 | 43,756,000 | 45,093,000 |
| Equity capital | 26,372,000 | 26,670,000 | 27,268,000 | 28,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,691,000 | 8,593,000 | 11,487,000 |
| Interest expense | 326,000 | 631,000 | 939,000 | 1,240,000 |
| Net interest income | 2,492,000 | 5,060,000 | 7,654,000 | 10,247,000 |
| Noninterest income | 1,043,000 | 2,059,000 | 3,231,000 | 4,400,000 |
| Noninterest expense | 2,672,000 | 5,352,000 | 8,209,000 | 11,464,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 863,000 | 1,767,000 | 2,676,000 | 3,483,000 |
| Income tax | 290,000 | 591,000 | 866,000 | 1,108,000 |
| Net income | 573,000 | 1,176,000 | 1,810,000 | 2,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,904,000 | 27,674,000 | 28,578,000 | 29,264,000 |
| Total capital | 29,573,000 | 30,361,000 | 31,256,000 | 31,965,000 |
| Risk-weighted assets | 212,669,000 | 214,258,000 | 213,537,000 | 216,112,000 |