Call reports 2004
QUEENSTOWN BANK OF MARYLAND — 2004
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 308,401,000 | 313,434,000 | 328,619,000 | 332,007,000 |
| Total loans | 224,107,000 | 238,887,000 | 245,047,000 | 258,452,000 |
| Allowance for loan losses | 2,438,000 | 2,485,000 | 2,622,000 | 3,031,000 |
| Securities available for sale | 55,061,000 | 50,920,000 | 53,652,000 | 53,213,000 |
| Securities held to maturity | 6,365,000 | 6,264,000 | 6,263,000 | 6,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,037,000 | 262,761,000 | 292,303,000 | 279,102,000 |
| Interest-bearing deposits | 215,758,000 | 209,356,000 | 240,845,000 | 228,059,000 |
| Noninterest-bearing deposits | 47,279,000 | 53,405,000 | 51,458,000 | 51,043,000 |
| Equity capital | 30,493,000 | 30,178,000 | 32,052,000 | 31,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,064,000 | 8,209,000 | 12,524,000 | 17,012,000 |
| Interest expense | 1,048,000 | 2,101,000 | 3,234,000 | 4,472,000 |
| Net interest income | 3,016,000 | 6,108,000 | 9,290,000 | 12,540,000 |
| Noninterest income | 257,000 | 538,000 | 871,000 | 1,218,000 |
| Noninterest expense | 1,510,000 | 3,123,000 | 4,715,000 | 6,487,000 |
| Provision for loan losses | 90,000 | 210,000 | 330,000 | 750,000 |
| Pretax income | 1,673,000 | 3,313,000 | 5,095,000 | 6,513,000 |
| Income tax | 547,000 | 1,076,000 | 1,669,000 | 2,129,000 |
| Net income | 1,126,000 | 2,237,000 | 3,426,000 | 4,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,940,000 | 30,670,000 | 31,859,000 | 31,524,000 |
| Total capital | 32,378,000 | 33,155,000 | 34,481,000 | 34,555,000 |
| Risk-weighted assets | 219,586,000 | 231,426,000 | 237,365,000 | 249,672,000 |
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