Call reports 2003
MARYLAND BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What MARYLAND BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 289,410,000 | 296,949,000 | 300,008,000 | 297,572,000 |
| Total loans | 155,869,000 | 165,267,000 | 174,116,000 | 178,182,000 |
| Allowance for loan losses | 1,765,000 | 1,783,000 | 1,948,000 | 1,970,000 |
| Securities available for sale | 82,252,000 | 85,608,000 | 89,762,000 | 87,340,000 |
| Securities held to maturity | 2,750,000 | 2,749,000 | 2,499,000 | 2,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,505,000 | 266,215,000 | 268,906,000 | 267,188,000 |
| Interest-bearing deposits | 195,282,000 | 198,746,000 | 198,773,000 | 196,421,000 |
| Noninterest-bearing deposits | 64,223,000 | 67,469,000 | 70,133,000 | 70,767,000 |
| Equity capital | 22,856,000 | 23,685,000 | 23,447,000 | 23,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,628,000 | 7,173,000 | 10,748,000 | 14,413,000 |
| Interest expense | 957,000 | 1,845,000 | 2,619,000 | 3,329,000 |
| Net interest income | 2,671,000 | 5,328,000 | 8,129,000 | 11,084,000 |
| Noninterest income | 558,000 | 1,073,000 | 1,585,000 | 2,073,000 |
| Noninterest expense | 2,556,000 | 5,157,000 | 7,706,000 | 10,241,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 643,000 | 1,184,000 | 1,927,000 | 2,835,000 |
| Income tax | 205,000 | 278,000 | 475,000 | 731,000 |
| Net income | 438,000 | 906,000 | 1,452,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,122,000 | 22,590,000 | 23,136,000 | 23,187,000 |
| Total capital | 23,887,000 | 24,373,000 | 25,084,000 | 25,157,000 |
| Risk-weighted assets | 169,226,000 | 175,827,000 | 184,471,000 | 185,512,000 |