Call reports 2005
MARYLAND FINANCIAL BANK — 2005
What MARYLAND FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,211,000 | 23,527,000 | 32,381,000 | 48,626,000 |
| Total loans | 4,770,000 | 7,643,000 | 14,570,000 | 19,515,000 |
| Allowance for loan losses | 60,000 | 96,000 | 182,000 | 248,000 |
| Securities available for sale | 2,690,000 | 6,546,000 | 6,388,000 | 6,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,000 | 1,030,000 | 1,199,000 | 1,461,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 640,000 | 1,030,000 | 1,199,000 | 1,461,000 |
| Equity capital | 6,359,000 | 6,187,000 | 5,954,000 | 5,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 122,000 | 393,000 | 758,000 | 1,268,000 |
| Interest expense | 34,000 | 165,000 | 369,000 | 666,000 |
| Net interest income | 88,000 | 228,000 | 389,000 | 602,000 |
| Noninterest income | 56,000 | 208,000 | 319,000 | 469,000 |
| Noninterest expense | 370,000 | 784,000 | 1,194,000 | 1,629,000 |
| Provision for loan losses | 19,000 | 55,000 | 142,000 | 208,000 |
| Pretax income | -245,000 | -403,000 | -628,000 | -766,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -245,000 | -403,000 | -628,000 | -766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,386,000 | 6,222,000 | 5,996,000 | 5,858,000 |
| Total capital | 6,446,000 | 6,318,000 | 6,178,000 | 6,102,000 |
| Risk-weighted assets | 8,108,000 | 11,666,000 | 20,368,000 | 28,498,000 |
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