Call reports 2011
QUEENSTOWN BANK OF MARYLAND — 2011
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 448,738,000 | 457,367,000 | 451,515,000 | 447,828,000 |
| Total loans | 388,881,000 | 386,653,000 | 386,498,000 | 383,485,000 |
| Allowance for loan losses | 5,067,000 | 4,514,000 | 5,078,000 | 4,974,000 |
| Securities available for sale | 13,445,000 | 14,315,000 | 13,865,000 | 13,067,000 |
| Securities held to maturity | 1,795,000 | 1,000,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,581,000 | 410,715,000 | 403,934,000 | 401,364,000 |
| Interest-bearing deposits | 334,469,000 | 340,773,000 | 324,507,000 | 324,791,000 |
| Noninterest-bearing deposits | 68,112,000 | 69,942,000 | 79,427,000 | 76,573,000 |
| Equity capital | 42,811,000 | 43,229,000 | 43,845,000 | 43,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,586,000 | 11,159,000 | 16,750,000 | 22,212,000 |
| Interest expense | 1,514,000 | 3,001,000 | 4,483,000 | 5,857,000 |
| Net interest income | 4,072,000 | 8,158,000 | 12,267,000 | 16,355,000 |
| Noninterest income | 196,000 | 451,000 | 516,000 | 468,000 |
| Noninterest expense | 2,385,000 | 4,628,000 | 6,922,000 | 9,249,000 |
| Provision for loan losses | 1,180,000 | 2,770,000 | 3,790,000 | 6,070,000 |
| Pretax income | 703,000 | 1,211,000 | 2,071,000 | 1,504,000 |
| Income tax | 234,000 | 398,000 | 702,000 | 429,000 |
| Net income | 469,000 | 813,000 | 1,369,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,496,000 | 42,845,000 | 43,397,000 | 42,780,000 |
| Total capital | 47,235,000 | 47,390,000 | 47,942,000 | 47,237,000 |
| Risk-weighted assets | 378,829,000 | 374,978,000 | 363,025,000 | 356,015,000 |