Call reports 2002
FREDERICK COUNTY BANK — 2002
What FREDERICK COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,862,000 | 73,705,000 | 87,135,000 | 101,471,000 |
| Total loans | 24,398,000 | 34,894,000 | 48,473,000 | 58,269,000 |
| Allowance for loan losses | 233,000 | 358,000 | 508,000 | 613,000 |
| Securities available for sale | 6,335,000 | 10,474,000 | 20,422,000 | 21,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,771,000 | 64,680,000 | 73,521,000 | 88,409,000 |
| Interest-bearing deposits | 33,797,000 | 52,735,000 | 63,537,000 | 76,853,000 |
| Noninterest-bearing deposits | 4,973,000 | 11,945,000 | 9,984,000 | 11,556,000 |
| Equity capital | 7,977,000 | 7,638,000 | 12,618,000 | 12,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 1,062,000 | 2,009,000 | 3,148,000 |
| Interest expense | 141,000 | 376,000 | 718,000 | 1,102,000 |
| Net interest income | 256,000 | 686,000 | 1,291,000 | 2,046,000 |
| Noninterest income | 13,000 | 32,000 | 62,000 | 96,000 |
| Noninterest expense | 672,000 | 1,396,000 | 2,131,000 | 3,108,000 |
| Provision for loan losses | 139,000 | 264,000 | 414,000 | 521,000 |
| Pretax income | -542,000 | -942,000 | -1,192,000 | -1,487,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -542,000 | -942,000 | -1,192,000 | -1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,030,000 | 7,630,000 | 12,546,000 | 12,265,000 |
| Total capital | 8,263,000 | 7,988,000 | 13,054,000 | 12,878,000 |
| Risk-weighted assets | 29,772,000 | 46,899,000 | 60,745,000 | 71,264,000 |