Call reports 2014
POTOMAC BANK, INC. — 2014
What POTOMAC BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 299,858,000 | 304,729,000 | 309,408,000 | 320,142,000 |
| Total loans | 242,567,000 | 241,666,000 | 249,480,000 | 256,094,000 |
| Allowance for loan losses | 3,453,000 | 3,354,000 | 3,610,000 | 2,665,000 |
| Securities available for sale | 31,746,000 | 29,382,000 | 31,499,000 | 33,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,457,000 | 261,209,000 | 267,045,000 | 277,180,000 |
| Interest-bearing deposits | 212,507,000 | 215,685,000 | 220,474,000 | 228,197,000 |
| Noninterest-bearing deposits | 47,950,000 | 45,524,000 | 46,571,000 | 48,983,000 |
| Equity capital | 29,088,000 | 29,592,000 | 29,918,000 | 29,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,949,000 | 5,965,000 | 8,989,000 | 12,072,000 |
| Interest expense | 282,000 | 575,000 | 905,000 | 1,275,000 |
| Net interest income | 2,667,000 | 5,390,000 | 8,084,000 | 10,797,000 |
| Noninterest income | 1,029,000 | 2,130,000 | 3,298,000 | 4,351,000 |
| Noninterest expense | 2,764,000 | 5,530,000 | 8,323,000 | 11,134,000 |
| Provision for loan losses | 391,000 | 530,000 | 754,000 | 814,000 |
| Pretax income | 541,000 | 1,536,000 | 2,381,000 | 3,328,000 |
| Income tax | 170,000 | 490,000 | 769,000 | 1,096,000 |
| Net income | 371,000 | 1,046,000 | 1,612,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,469,000 | 30,211,000 | 30,626,000 | 31,569,000 |
| Total capital | 32,309,000 | 33,014,000 | 33,546,000 | 34,234,000 |
| Risk-weighted assets | 226,557,000 | 223,702,000 | 232,906,000 | 237,792,000 |