Call reports 2019
POTOMAC BANK, INC. — 2019
What POTOMAC BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 496,314,000 | 510,434,000 | 504,916,000 | 515,715,000 |
| Total loans | 378,208,000 | 390,797,000 | 403,299,000 | 414,494,000 |
| Allowance for loan losses | 3,428,000 | 3,551,000 | 3,601,000 | 3,716,000 |
| Securities available for sale | 48,434,000 | 46,475,000 | 42,783,000 | 50,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,427,000 | 446,109,000 | 440,763,000 | 449,905,000 |
| Interest-bearing deposits | 371,539,000 | 382,496,000 | 376,631,000 | 378,632,000 |
| Noninterest-bearing deposits | 62,888,000 | 63,613,000 | 64,132,000 | 71,273,000 |
| Equity capital | 49,936,000 | 50,827,000 | 51,468,000 | 51,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,773,000 | 9,779,000 | 14,881,000 | 20,074,000 |
| Interest expense | 858,000 | 1,789,000 | 2,794,000 | 3,783,000 |
| Net interest income | 3,915,000 | 7,990,000 | 12,087,000 | 16,291,000 |
| Noninterest income | 1,063,000 | 2,435,000 | 3,943,000 | 5,464,000 |
| Noninterest expense | 3,956,000 | 8,213,000 | 12,527,000 | 17,000,000 |
| Provision for loan losses | 142,000 | 252,000 | 342,000 | 474,000 |
| Pretax income | 880,000 | 1,960,000 | 3,161,000 | 4,274,000 |
| Income tax | 194,000 | 430,000 | 693,000 | 934,000 |
| Net income | 686,000 | 1,530,000 | 2,468,000 | 3,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,339,000 | 52,824,000 | 53,472,000 | 54,030,000 |
| Total capital | 55,767,000 | 56,375,000 | 57,073,000 | 57,746,000 |
| Risk-weighted assets | 345,879,000 | 355,892,000 | 371,049,000 | 389,312,000 |