Call reports 2006
FREDERICK COUNTY BANK — 2006
What FREDERICK COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 220,014,000 | 226,348,000 | 222,189,000 | 234,267,000 |
| Total loans | 159,334,000 | 164,023,000 | 166,537,000 | 173,953,000 |
| Allowance for loan losses | 2,013,000 | 2,073,000 | 2,133,000 | 2,166,000 |
| Securities available for sale | 18,457,000 | 17,419,000 | 29,902,000 | 28,774,000 |
| Securities held to maturity | 6,048,000 | 8,179,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,851,000 | 208,974,000 | 203,902,000 | 215,335,000 |
| Interest-bearing deposits | 169,856,000 | 175,663,000 | 174,078,000 | 182,504,000 |
| Noninterest-bearing deposits | 32,995,000 | 33,311,000 | 29,824,000 | 32,832,000 |
| Equity capital | 16,386,000 | 16,812,000 | 17,500,000 | 18,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,170,000 | 6,605,000 | 10,131,000 | 13,713,000 |
| Interest expense | 1,202,000 | 2,547,000 | 4,019,000 | 5,598,000 |
| Net interest income | 1,968,000 | 4,058,000 | 6,112,000 | 8,115,000 |
| Noninterest income | 89,000 | 168,000 | 254,000 | 361,000 |
| Noninterest expense | 1,184,000 | 2,474,000 | 3,836,000 | 5,198,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 213,000 |
| Pretax income | 813,000 | 1,632,000 | 2,350,000 | 3,065,000 |
| Income tax | 325,000 | 617,000 | 854,000 | 1,091,000 |
| Net income | 488,000 | 1,015,000 | 1,496,000 | 1,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,632,000 | 17,160,000 | 17,640,000 | 18,119,000 |
| Total capital | 18,645,000 | 19,233,000 | 19,773,000 | 20,285,000 |
| Risk-weighted assets | 177,949,000 | 183,684,000 | 188,784,000 | 197,915,000 |