Call reports 2003
FREDERICK COUNTY BANK — 2003
What FREDERICK COUNTY BANK 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 | 111,038,000 | 130,979,000 | 121,863,000 | 130,565,000 |
| Total loans | 70,133,000 | 80,000,000 | 89,016,000 | 96,029,000 |
| Allowance for loan losses | 720,000 | 776,000 | 880,000 | 985,000 |
| Securities available for sale | 18,010,000 | 17,715,000 | 16,300,000 | 15,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,432,000 | 118,254,000 | 109,206,000 | 117,503,000 |
| Interest-bearing deposits | 86,710,000 | 103,524,000 | 93,254,000 | 100,311,000 |
| Noninterest-bearing deposits | 11,722,000 | 14,731,000 | 15,951,000 | 17,192,000 |
| Equity capital | 12,348,000 | 12,424,000 | 12,446,000 | 12,746,000 |
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 | 1,209,000 | 2,540,000 | 3,931,000 | 5,503,000 |
| Interest expense | 369,000 | 749,000 | 1,115,000 | 1,479,000 |
| Net interest income | 840,000 | 1,791,000 | 2,816,000 | 4,024,000 |
| Noninterest income | 37,000 | 81,000 | 135,000 | 186,000 |
| Noninterest expense | 802,000 | 1,627,000 | 2,469,000 | 3,357,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 4,000 | 69,000 | 201,000 | 467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,000 | 69,000 | 201,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,269,000 | 12,335,000 | 12,465,000 | 12,733,000 |
| Total capital | 12,989,000 | 13,111,000 | 13,345,000 | 13,718,000 |
| Risk-weighted assets | 82,492,000 | 92,897,000 | 99,783,000 | 106,170,000 |