Call reports 2013
QUEENSTOWN BANK OF MARYLAND — 2013
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 454,171,000 | 451,846,000 | 450,751,000 | 441,613,000 |
| Total loans | 366,848,000 | 366,906,000 | 371,683,000 | 376,462,000 |
| Allowance for loan losses | 5,082,000 | 5,522,000 | 6,249,000 | 5,647,000 |
| Securities available for sale | 10,484,000 | 10,168,000 | 9,461,000 | 9,835,000 |
| Securities held to maturity | 500,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,627,000 | 405,948,000 | 404,650,000 | 395,132,000 |
| Interest-bearing deposits | 321,129,000 | 321,592,000 | 317,812,000 | 308,565,000 |
| Noninterest-bearing deposits | 87,498,000 | 84,356,000 | 86,838,000 | 86,567,000 |
| Equity capital | 44,243,000 | 44,539,000 | 44,652,000 | 45,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,921,000 | 9,816,000 | 14,666,000 | 19,624,000 |
| Interest expense | 937,000 | 1,817,000 | 2,653,000 | 3,430,000 |
| Net interest income | 3,984,000 | 7,999,000 | 12,013,000 | 16,194,000 |
| Noninterest income | 199,000 | 352,000 | 97,000 | 302,000 |
| Noninterest expense | 2,412,000 | 4,903,000 | 7,156,000 | 9,458,000 |
| Provision for loan losses | 1,125,000 | 2,250,000 | 3,375,000 | 3,900,000 |
| Pretax income | 646,000 | 1,198,000 | 1,579,000 | 3,138,000 |
| Income tax | 225,000 | 410,000 | 535,000 | 1,102,000 |
| Net income | 421,000 | 788,000 | 1,044,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,865,000 | 44,232,000 | 44,488,000 | 44,975,000 |
| Total capital | 48,104,000 | 48,443,000 | 48,710,000 | 49,180,000 |
| Risk-weighted assets | 338,232,000 | 335,499,000 | 335,749,000 | 334,931,000 |