Call reports 2017
POTOMAC BANK, INC. — 2017
What POTOMAC BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 407,694,000 | 411,004,000 | 422,086,000 | 425,319,000 |
| Total loans | 341,868,000 | 348,890,000 | 345,838,000 | 346,768,000 |
| Allowance for loan losses | 3,328,000 | 3,385,000 | 3,533,000 | 3,590,000 |
| Securities available for sale | 22,197,000 | 22,168,000 | 24,096,000 | 31,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,701,000 | 358,748,000 | 366,041,000 | 372,550,000 |
| Interest-bearing deposits | 299,732,000 | 302,510,000 | 307,969,000 | 315,760,000 |
| Noninterest-bearing deposits | 53,969,000 | 56,238,000 | 58,072,000 | 56,790,000 |
| Equity capital | 33,157,000 | 33,878,000 | 34,830,000 | 35,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,805,000 | 7,822,000 | 11,930,000 | 16,105,000 |
| Interest expense | 460,000 | 990,000 | 1,540,000 | 2,115,000 |
| Net interest income | 3,345,000 | 6,832,000 | 10,390,000 | 13,990,000 |
| Noninterest income | 1,730,000 | 2,807,000 | 3,907,000 | 4,989,000 |
| Noninterest expense | 3,108,000 | 6,266,000 | 9,500,000 | 13,068,000 |
| Provision for loan losses | 180,000 | 180,000 | 180,000 | 180,000 |
| Pretax income | 1,787,000 | 3,193,000 | 4,617,000 | 5,731,000 |
| Income tax | 372,000 | 868,000 | 1,330,000 | 2,009,000 |
| Net income | 1,415,000 | 2,325,000 | 3,287,000 | 3,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,545,000 | 36,238,000 | 37,200,000 | 38,108,000 |
| Total capital | 38,873,000 | 39,623,000 | 40,733,000 | 41,698,000 |
| Risk-weighted assets | 317,263,000 | 320,357,000 | 316,539,000 | 316,311,000 |