Call reports 2009
MARYLAND FINANCIAL BANK — 2009
What MARYLAND FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,932,000 | 64,363,000 | 88,007,000 | 83,155,000 |
| Total loans | 53,627,000 | 55,618,000 | 61,948,000 | 61,924,000 |
| Allowance for loan losses | 794,000 | 1,009,000 | 1,413,000 | 1,693,000 |
| Securities available for sale | 3,762,000 | 3,673,000 | 5,086,000 | 4,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,387,000 | 37,721,000 | 52,912,000 | 49,886,000 |
| Interest-bearing deposits | 35,989,000 | 35,132,000 | 50,600,000 | 47,539,000 |
| Noninterest-bearing deposits | 2,398,000 | 2,589,000 | 2,312,000 | 2,347,000 |
| Equity capital | 7,184,000 | 7,050,000 | 6,829,000 | 6,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,519,000 | 2,466,000 | 3,401,000 |
| Interest expense | 336,000 | 639,000 | 959,000 | 1,234,000 |
| Net interest income | 432,000 | 880,000 | 1,507,000 | 2,167,000 |
| Noninterest income | 55,000 | 108,000 | 108,000 | 156,000 |
| Noninterest expense | 373,000 | 782,000 | 1,221,000 | 1,616,000 |
| Provision for loan losses | 4,000 | 219,000 | 623,000 | 903,000 |
| Pretax income | 110,000 | -13,000 | -229,000 | -196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | -13,000 | -229,000 | -196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,068,000 | 6,924,000 | 6,695,000 | 6,735,000 |
| Total capital | 7,801,000 | 7,672,000 | 7,510,000 | 7,560,000 |
| Risk-weighted assets | 58,626,000 | 59,620,000 | 64,608,000 | 65,069,000 |
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