Call reports 2015
QUEENSTOWN BANK OF MARYLAND — 2015
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 436,989,000 | 440,553,000 | 451,587,000 | 447,087,000 |
| Total loans | 390,238,000 | 395,207,000 | 394,368,000 | 393,672,000 |
| Allowance for loan losses | 6,130,000 | 6,163,000 | 5,652,000 | 5,908,000 |
| Securities available for sale | 10,165,000 | 9,822,000 | 8,716,000 | 9,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,427,000 | 388,157,000 | 398,049,000 | 393,526,000 |
| Interest-bearing deposits | 298,769,000 | 300,887,000 | 302,930,000 | 303,347,000 |
| Noninterest-bearing deposits | 86,658,000 | 87,271,000 | 95,119,000 | 90,179,000 |
| Equity capital | 49,256,000 | 50,493,000 | 51,707,000 | 51,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,922,000 | 9,959,000 | 15,068,000 | 20,162,000 |
| Interest expense | 570,000 | 1,135,000 | 1,690,000 | 2,235,000 |
| Net interest income | 4,352,000 | 8,824,000 | 13,378,000 | 17,927,000 |
| Noninterest income | 314,000 | 685,000 | 766,000 | 1,057,000 |
| Noninterest expense | 2,406,000 | 4,874,000 | 7,249,000 | 9,580,000 |
| Provision for loan losses | 310,000 | 641,000 | 941,000 | 1,241,000 |
| Pretax income | 1,950,000 | 3,994,000 | 5,974,000 | 8,185,000 |
| Income tax | 737,000 | 1,503,000 | 2,248,000 | 3,076,000 |
| Net income | 1,213,000 | 2,491,000 | 3,726,000 | 5,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,135,000 | 50,413,000 | 51,647,000 | 51,771,000 |
| Total capital | 53,592,000 | 54,894,000 | 56,068,000 | 56,141,000 |
| Risk-weighted assets | 354,673,000 | 356,507,000 | 352,197,000 | 347,801,000 |