Call reports 2021
POTOMAC BANK, INC. — 2021
What POTOMAC BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 661,138,000 | 671,728,000 | 700,241,000 | 709,715,000 |
| Total loans | 503,257,000 | 517,747,000 | 516,017,000 | 517,506,000 |
| Allowance for loan losses | 5,409,000 | 5,428,000 | 5,449,000 | 5,504,000 |
| Securities available for sale | 70,586,000 | 80,580,000 | 82,403,000 | 82,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 589,806,000 | 598,458,000 | 622,857,000 | 629,561,000 |
| Interest-bearing deposits | 464,047,000 | 463,842,000 | 481,278,000 | 487,821,000 |
| Noninterest-bearing deposits | 125,759,000 | 134,616,000 | 141,579,000 | 141,740,000 |
| Equity capital | 63,707,000 | 65,501,000 | 67,884,000 | 69,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,591,000 | 11,238,000 | 17,027,000 | 22,996,000 |
| Interest expense | 499,000 | 962,000 | 1,423,000 | 1,871,000 |
| Net interest income | 5,092,000 | 10,276,000 | 15,604,000 | 21,125,000 |
| Noninterest income | 1,577,000 | 3,244,000 | 4,878,000 | 6,786,000 |
| Noninterest expense | 4,192,000 | 8,649,000 | 13,073,000 | 17,977,000 |
| Provision for loan losses | 0 | 0 | -490,000 | -490,000 |
| Pretax income | 2,485,000 | 4,879,000 | 7,907,000 | 10,432,000 |
| Income tax | 552,000 | 1,093,000 | 1,791,000 | 2,346,000 |
| Net income | 1,933,000 | 3,786,000 | 6,116,000 | 8,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,494,000 | 68,347,000 | 70,677,000 | 72,106,000 |
| Total capital | 71,845,000 | 73,775,000 | 76,126,000 | 77,610,000 |
| Risk-weighted assets | 428,051,000 | 463,350,000 | 486,926,000 | 499,391,000 |