Call reports 2018
POTOMAC BANK, INC. — 2018
What POTOMAC BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 432,057,000 | 426,800,000 | 475,303,000 | 484,353,000 |
| Total loans | 347,906,000 | 347,979,000 | 359,348,000 | 364,280,000 |
| Allowance for loan losses | 3,690,000 | 3,164,000 | 3,105,000 | 3,269,000 |
| Securities available for sale | 31,875,000 | 37,733,000 | 37,538,000 | 48,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,766,000 | 379,702,000 | 416,917,000 | 424,477,000 |
| Interest-bearing deposits | 324,661,000 | 325,015,000 | 360,800,000 | 364,074,000 |
| Noninterest-bearing deposits | 55,105,000 | 54,687,000 | 56,117,000 | 60,403,000 |
| Equity capital | 36,154,000 | 36,889,000 | 47,871,000 | 49,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,113,000 | 8,342,000 | 12,794,000 | 17,564,000 |
| Interest expense | 576,000 | 1,154,000 | 1,868,000 | 2,699,000 |
| Net interest income | 3,537,000 | 7,188,000 | 10,926,000 | 14,865,000 |
| Noninterest income | 1,050,000 | 2,281,000 | 3,459,000 | 4,655,000 |
| Noninterest expense | 3,318,000 | 6,813,000 | 10,675,000 | 14,731,000 |
| Provision for loan losses | 66,000 | 144,000 | 144,000 | 312,000 |
| Pretax income | 1,203,000 | 2,512,000 | 3,566,000 | 4,471,000 |
| Income tax | 264,000 | 554,000 | 787,000 | 980,000 |
| Net income | 939,000 | 1,958,000 | 2,779,000 | 3,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,047,000 | 39,833,000 | 50,941,000 | 51,653,000 |
| Total capital | 42,737,000 | 42,997,000 | 54,046,000 | 54,922,000 |
| Risk-weighted assets | 316,569,000 | 319,635,000 | 326,418,000 | 330,871,000 |