Call reports 2004
FREDERICK COUNTY BANK — 2004
What FREDERICK COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 150,018,000 | 156,631,000 | 158,939,000 | 170,927,000 |
| Total loans | 103,923,000 | 115,982,000 | 123,589,000 | 135,668,000 |
| Allowance for loan losses | 1,090,000 | 1,195,000 | 1,296,000 | 1,503,000 |
| Securities available for sale | 17,160,000 | 15,720,000 | 16,482,000 | 16,483,000 |
| Securities held to maturity | 0 | 0 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,602,000 | 143,161,000 | 144,545,000 | 155,746,000 |
| Interest-bearing deposits | 118,873,000 | 115,255,000 | 123,454,000 | 131,960,000 |
| Noninterest-bearing deposits | 17,729,000 | 27,906,000 | 21,090,000 | 23,785,000 |
| Equity capital | 13,109,000 | 13,177,000 | 13,792,000 | 14,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,409,000 | 5,385,000 | 7,601,000 |
| Interest expense | 379,000 | 777,000 | 1,228,000 | 1,750,000 |
| Net interest income | 1,267,000 | 2,632,000 | 4,157,000 | 5,851,000 |
| Noninterest income | 59,000 | 121,000 | 183,000 | 249,000 |
| Noninterest expense | 929,000 | 1,925,000 | 2,965,000 | 4,025,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 520,000 |
| Pretax income | 292,000 | 618,000 | 1,055,000 | 1,550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 618,000 | 1,055,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,025,000 | 13,351,000 | 13,787,000 | 14,282,000 |
| Total capital | 14,115,000 | 14,546,000 | 15,083,000 | 15,785,000 |
| Risk-weighted assets | 117,912,000 | 127,991,000 | 135,402,000 | 150,273,000 |