Call reports 2005
FIRST MARINER BANK — 2005
What FIRST MARINER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,204,320,000 | 1,324,162,000 | 1,306,952,000 | 1,279,442,000 |
| Total loans | 797,631,000 | 909,072,000 | 892,349,000 | 888,274,000 |
| Allowance for loan losses | 7,880,000 | 8,505,000 | 9,151,000 | 9,247,000 |
| Securities available for sale | 305,303,000 | 304,192,000 | 285,708,000 | 275,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 857,587,000 | 888,149,000 | 880,035,000 | 895,484,000 |
| Interest-bearing deposits | 684,936,000 | 705,956,000 | 696,244,000 | 711,861,000 |
| Noninterest-bearing deposits | 172,651,000 | 182,193,000 | 183,791,000 | 183,623,000 |
| Equity capital | 76,702,000 | 82,584,000 | 82,809,000 | 84,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 15,660,000 | 32,962,000 | 51,912,000 | 70,934,000 |
| Interest expense | 5,743,000 | 12,496,000 | 20,393,000 | 28,682,000 |
| Net interest income | 9,917,000 | 20,466,000 | 31,519,000 | 42,252,000 |
| Noninterest income | 3,979,000 | 8,697,000 | 14,378,000 | 19,513,000 |
| Noninterest expense | 11,639,000 | 23,911,000 | 36,846,000 | 48,920,000 |
| Provision for loan losses | 50,000 | 675,000 | 1,325,000 | 1,575,000 |
| Pretax income | 2,209,000 | 4,577,000 | 7,726,000 | 11,270,000 |
| Income tax | 619,000 | 1,323,000 | 2,275,000 | 3,385,000 |
| Net income | 1,590,000 | 3,254,000 | 5,451,000 | 7,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,402,000 | 83,566,000 | 85,763,000 | 88,197,000 |
| Total capital | 92,318,000 | 99,636,000 | 102,468,000 | 105,160,000 |
| Risk-weighted assets | 886,672,000 | 972,930,000 | 976,110,000 | 979,061,000 |