Call reports 2015
POTOMAC BANK, INC. — 2015
What POTOMAC BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 324,956,000 | 323,019,000 | 333,849,000 | 350,743,000 |
| Total loans | 262,589,000 | 265,946,000 | 276,323,000 | 280,405,000 |
| Allowance for loan losses | 2,691,000 | 2,650,000 | 2,691,000 | 2,548,000 |
| Securities available for sale | 37,056,000 | 34,331,000 | 28,621,000 | 33,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,611,000 | 278,113,000 | 288,730,000 | 303,546,000 |
| Interest-bearing deposits | 229,381,000 | 228,837,000 | 238,654,000 | 250,880,000 |
| Noninterest-bearing deposits | 52,230,000 | 49,276,000 | 50,076,000 | 52,666,000 |
| Equity capital | 29,538,000 | 29,903,000 | 30,187,000 | 30,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,100,000 | 6,269,000 | 9,499,000 | 12,812,000 |
| Interest expense | 371,000 | 729,000 | 1,092,000 | 1,510,000 |
| Net interest income | 2,729,000 | 5,540,000 | 8,407,000 | 11,302,000 |
| Noninterest income | 1,049,000 | 2,070,000 | 3,112,000 | 4,371,000 |
| Noninterest expense | 2,850,000 | 5,730,000 | 8,636,000 | 11,647,000 |
| Provision for loan losses | 32,000 | 97,000 | 97,000 | 60,000 |
| Pretax income | 899,000 | 1,806,000 | 2,837,000 | 4,017,000 |
| Income tax | 317,000 | 626,000 | 960,000 | 1,378,000 |
| Net income | 582,000 | 1,180,000 | 1,877,000 | 2,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,623,000 | 32,077,000 | 32,356,000 | 32,910,000 |
| Total capital | 34,314,000 | 34,727,000 | 35,047,000 | 35,458,000 |
| Risk-weighted assets | 265,424,000 | 264,524,000 | 267,743,000 | 270,090,000 |