Call reports 2012
QUEENSTOWN BANK OF MARYLAND — 2012
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 445,865,000 | 451,574,000 | 450,353,000 | 448,653,000 |
| Total loans | 382,752,000 | 379,473,000 | 369,551,000 | 372,210,000 |
| Allowance for loan losses | 5,185,000 | 5,025,000 | 4,234,000 | 4,684,000 |
| Securities available for sale | 12,528,000 | 11,894,000 | 11,347,000 | 12,114,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,038,000 | 406,837,000 | 405,365,000 | 403,476,000 |
| Interest-bearing deposits | 317,989,000 | 321,450,000 | 316,854,000 | 315,019,000 |
| Noninterest-bearing deposits | 83,050,000 | 85,387,000 | 88,511,000 | 88,457,000 |
| Equity capital | 43,553,000 | 43,403,000 | 43,614,000 | 43,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,292,000 | 10,564,000 | 15,773,000 | 20,811,000 |
| Interest expense | 1,291,000 | 2,555,000 | 3,748,000 | 4,814,000 |
| Net interest income | 4,001,000 | 8,009,000 | 12,025,000 | 15,997,000 |
| Noninterest income | 338,000 | 526,000 | 808,000 | 1,025,000 |
| Noninterest expense | 2,309,000 | 4,694,000 | 7,018,000 | 9,300,000 |
| Provision for loan losses | 1,513,000 | 3,653,000 | 5,353,000 | 6,203,000 |
| Pretax income | 517,000 | 188,000 | 462,000 | 1,519,000 |
| Income tax | 164,000 | 11,000 | 72,000 | 449,000 |
| Net income | 353,000 | 177,000 | 390,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,147,000 | 42,971,000 | 43,173,000 | 43,547,000 |
| Total capital | 47,612,000 | 47,399,000 | 47,438,000 | 47,854,000 |
| Risk-weighted assets | 356,422,000 | 353,586,000 | 346,678,000 | 344,153,000 |