Call reports 2015
MARYLAND FINANCIAL BANK — 2015
What MARYLAND FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 56,820,000 | 56,243,000 | 54,222,000 | 59,216,000 |
| Total loans | 40,218,000 | 41,643,000 | 39,708,000 | 40,562,000 |
| Allowance for loan losses | 593,000 | 581,000 | 536,000 | 511,000 |
| Securities available for sale | 8,864,000 | 8,316,000 | 7,706,000 | 7,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,615,000 | 37,001,000 | 34,870,000 | 36,743,000 |
| Interest-bearing deposits | 34,511,000 | 35,475,000 | 33,363,000 | 35,360,000 |
| Noninterest-bearing deposits | 2,104,000 | 1,526,000 | 1,507,000 | 1,383,000 |
| Equity capital | 6,144,000 | 6,175,000 | 6,103,000 | 5,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 533,000 | 1,154,000 | 1,667,000 | 2,181,000 |
| Interest expense | 82,000 | 170,000 | 260,000 | 352,000 |
| Net interest income | 451,000 | 984,000 | 1,407,000 | 1,829,000 |
| Noninterest income | 11,000 | 23,000 | -32,000 | -22,000 |
| Noninterest expense | 465,000 | 991,000 | 1,486,000 | 2,063,000 |
| Provision for loan losses | 5,000 | -45,000 | -110,000 | -136,000 |
| Pretax income | -8,000 | 61,000 | 25,000 | -94,000 |
| Income tax | 0 | 0 | -1,000 | 0 |
| Net income | -8,000 | 61,000 | 26,000 | -94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,000,000 | 6,070,000 | 6,035,000 | 5,914,000 |
| Total capital | 6,488,000 | 6,561,000 | 6,516,000 | 6,405,000 |
| Risk-weighted assets | 38,937,000 | 39,159,000 | 38,429,000 | 39,245,000 |