Call reports 2025
POTOMAC BANK, INC. — 2025
What POTOMAC BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 894,916,000 | 919,246,000 | 960,890,000 | 943,040,000 |
| Total loans | 718,574,000 | 742,106,000 | 735,062,000 | 754,408,000 |
| Allowance for loan losses | 7,180,000 | 7,359,000 | 7,506,000 | 7,796,000 |
| Securities available for sale | 76,763,000 | 76,787,000 | 77,935,000 | 80,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 772,520,000 | 794,977,000 | 833,513,000 | 813,138,000 |
| Interest-bearing deposits | 586,200,000 | 618,155,000 | 629,063,000 | 629,568,000 |
| Noninterest-bearing deposits | 186,320,000 | 176,822,000 | 204,450,000 | 183,570,000 |
| Equity capital | 84,680,000 | 86,202,000 | 88,918,000 | 90,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,918,000 | 22,323,000 | 34,568,000 | 47,339,000 |
| Interest expense | 3,424,000 | 7,059,000 | 11,088,000 | 14,854,000 |
| Net interest income | 7,494,000 | 15,264,000 | 23,480,000 | 32,485,000 |
| Noninterest income | 1,828,000 | 3,593,000 | 5,476,000 | 7,520,000 |
| Noninterest expense | 6,130,000 | 12,585,000 | 19,321,000 | 26,789,000 |
| Provision for loan losses | 204,000 | 429,000 | 589,000 | 897,000 |
| Pretax income | 2,942,000 | 5,797,000 | 8,960,000 | 12,291,000 |
| Income tax | 588,000 | 1,227,000 | 1,934,000 | 2,701,000 |
| Net income | 2,354,000 | 4,570,000 | 7,026,000 | 9,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,674,000 | 91,290,000 | 92,921,000 | 94,662,000 |
| Total capital | 97,302,000 | 99,097,000 | 100,915,000 | 102,888,000 |
| Risk-weighted assets | 714,778,000 | 736,357,000 | 734,225,000 | 748,336,000 |