Call reports 2005
MARYLAND BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What MARYLAND BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 327,420,000 | 327,405,000 | 320,818,000 | 327,949,000 |
| Total loans | 186,514,000 | 187,361,000 | 191,734,000 | 191,806,000 |
| Allowance for loan losses | 2,009,000 | 2,168,000 | 2,311,000 | 2,377,000 |
| Securities available for sale | 95,392,000 | 97,500,000 | 96,921,000 | 94,093,000 |
| Securities held to maturity | 1,200,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,070,000 | 293,610,000 | 286,015,000 | 293,814,000 |
| Interest-bearing deposits | 209,008,000 | 202,721,000 | 202,572,000 | 206,346,000 |
| Noninterest-bearing deposits | 84,062,000 | 90,889,000 | 83,443,000 | 87,468,000 |
| Equity capital | 25,248,000 | 26,422,000 | 26,612,000 | 26,104,000 |
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 | 3,988,000 | 8,103,000 | 12,310,000 | 16,713,000 |
| Interest expense | 733,000 | 1,552,000 | 2,435,000 | 3,437,000 |
| Net interest income | 3,255,000 | 6,551,000 | 9,875,000 | 13,276,000 |
| Noninterest income | 532,000 | 1,037,000 | 1,519,000 | 2,100,000 |
| Noninterest expense | 2,713,000 | 5,795,000 | 8,854,000 | 11,744,000 |
| Provision for loan losses | 0 | 102,000 | 226,000 | 256,000 |
| Pretax income | 1,075,000 | 1,702,000 | 2,325,000 | 3,387,000 |
| Income tax | 343,000 | 484,000 | 628,000 | 818,000 |
| Net income | 732,000 | 1,218,000 | 1,697,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,166,000 | 26,652,000 | 27,131,000 | 27,356,000 |
| Total capital | 28,175,000 | 28,820,000 | 29,442,000 | 29,733,000 |
| Risk-weighted assets | 199,207,000 | 200,924,000 | 204,677,000 | 205,962,000 |