Call reports 2005
FREDERICK COUNTY BANK — 2005
What FREDERICK COUNTY BANK 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 | 184,308,000 | 190,031,000 | 193,321,000 | 207,121,000 |
| Total loans | 140,030,000 | 148,517,000 | 151,721,000 | 155,340,000 |
| Allowance for loan losses | 1,653,000 | 1,803,000 | 1,953,000 | 1,953,000 |
| Securities available for sale | 16,760,000 | 17,559,000 | 16,316,000 | 18,551,000 |
| Securities held to maturity | 299,000 | 849,000 | 1,507,000 | 2,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,020,000 | 174,472,000 | 177,192,000 | 190,292,000 |
| Interest-bearing deposits | 144,510,000 | 143,103,000 | 147,511,000 | 158,779,000 |
| Noninterest-bearing deposits | 24,509,000 | 31,368,000 | 29,680,000 | 31,513,000 |
| Equity capital | 14,686,000 | 15,167,000 | 15,535,000 | 15,945,000 |
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 | 2,351,000 | 4,926,000 | 7,706,000 | 10,706,000 |
| Interest expense | 618,000 | 1,331,000 | 2,178,000 | 3,220,000 |
| Net interest income | 1,733,000 | 3,595,000 | 5,528,000 | 7,486,000 |
| Noninterest income | 62,000 | 146,000 | 225,000 | 296,000 |
| Noninterest expense | 1,063,000 | 2,197,000 | 3,381,000 | 4,581,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 582,000 | 1,243,000 | 1,915,000 | 2,743,000 |
| Income tax | 59,000 | 314,000 | 561,000 | 881,000 |
| Net income | 523,000 | 929,000 | 1,354,000 | 1,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,804,000 | 15,212,000 | 15,636,000 | 16,145,000 |
| Total capital | 16,457,000 | 17,015,000 | 17,589,000 | 18,098,000 |
| Risk-weighted assets | 156,549,000 | 164,425,000 | 166,786,000 | 171,497,000 |