Call reports 2016
MARYLAND FINANCIAL BANK — 2016
What MARYLAND FINANCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 56,010,000 | 58,207,000 | 60,227,000 | 60,119,000 |
| Total loans | 39,043,000 | 41,004,000 | 45,082,000 | 45,975,000 |
| Allowance for loan losses | 455,000 | 705,000 | 512,000 | 517,000 |
| Securities available for sale | 7,055,000 | 6,798,000 | 6,696,000 | 6,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,465,000 | 39,086,000 | 41,859,000 | 44,316,000 |
| Interest-bearing deposits | 35,080,000 | 37,701,000 | 40,487,000 | 43,068,000 |
| Noninterest-bearing deposits | 1,385,000 | 1,385,000 | 1,372,000 | 1,248,000 |
| Equity capital | 5,886,000 | 5,519,000 | 5,256,000 | 4,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 494,000 | 991,000 | 1,502,000 | 2,031,000 |
| Interest expense | 112,000 | 229,000 | 359,000 | 502,000 |
| Net interest income | 382,000 | 762,000 | 1,143,000 | 1,529,000 |
| Noninterest income | 8,000 | 0 | 26,000 | 39,000 |
| Noninterest expense | 478,000 | 1,001,000 | 1,482,000 | 1,981,000 |
| Provision for loan losses | 15,000 | 265,000 | 452,000 | 457,000 |
| Pretax income | -103,000 | -504,000 | -765,000 | -870,000 |
| Income tax | 0 | 0 | 0 | 134,000 |
| Net income | -103,000 | -504,000 | -765,000 | -1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,784,000 | 5,383,000 | 5,123,000 | 4,968,000 |
| Total capital | 6,239,000 | 5,906,000 | 5,635,000 | 5,485,000 |
| Risk-weighted assets | 39,039,000 | 41,554,000 | 42,066,000 | 43,717,000 |