Call reports 2016
QUEENSTOWN BANK OF MARYLAND — 2016
What QUEENSTOWN BANK OF MARYLAND reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 455,063,000 | 460,069,000 | 469,519,000 | 462,647,000 |
| Total loans | 389,292,000 | 389,651,000 | 388,489,000 | 386,044,000 |
| Allowance for loan losses | 6,114,000 | 5,998,000 | 5,990,000 | 5,910,000 |
| Securities available for sale | 9,255,000 | 9,590,000 | 9,119,000 | 10,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,342,000 | 403,632,000 | 411,829,000 | 405,343,000 |
| Interest-bearing deposits | 319,004,000 | 319,115,000 | 320,809,000 | 317,320,000 |
| Noninterest-bearing deposits | 80,338,000 | 84,517,000 | 91,020,000 | 88,023,000 |
| Equity capital | 53,093,000 | 54,426,000 | 55,736,000 | 55,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,977,000 | 10,026,000 | 15,090,000 | 20,096,000 |
| Interest expense | 531,000 | 1,063,000 | 1,597,000 | 2,137,000 |
| Net interest income | 4,446,000 | 8,963,000 | 13,493,000 | 17,959,000 |
| Noninterest income | 291,000 | 564,000 | 796,000 | 1,122,000 |
| Noninterest expense | 2,394,000 | 4,828,000 | 7,182,000 | 9,633,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 990,000 |
| Pretax income | 2,073,000 | 4,159,000 | 6,297,000 | 8,458,000 |
| Income tax | 796,000 | 1,593,000 | 2,417,000 | 3,242,000 |
| Net income | 1,277,000 | 2,566,000 | 3,880,000 | 5,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,047,000 | 54,337,000 | 55,651,000 | 55,538,000 |
| Total capital | 57,365,000 | 58,673,000 | 60,003,000 | 59,886,000 |
| Risk-weighted assets | 343,390,000 | 344,922,000 | 346,269,000 | 346,118,000 |