Call reports 2007
FREDERICK COUNTY BANK — 2007
What FREDERICK COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 239,863,000 | 253,710,000 | 264,693,000 | 255,505,000 |
| Total loans | 183,737,000 | 199,403,000 | 210,366,000 | 209,011,000 |
| Allowance for loan losses | 2,226,000 | 2,351,000 | 2,401,000 | 2,640,000 |
| Securities available for sale | 30,021,000 | 27,745,000 | 27,982,000 | 27,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,665,000 | 225,110,000 | 231,445,000 | 220,765,000 |
| Interest-bearing deposits | 186,806,000 | 192,519,000 | 197,380,000 | 187,186,000 |
| Noninterest-bearing deposits | 32,859,000 | 32,591,000 | 34,065,000 | 33,579,000 |
| Equity capital | 19,412,000 | 20,549,000 | 22,213,000 | 23,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,715,000 | 7,703,000 | 11,953,000 | 16,196,000 |
| Interest expense | 1,734,000 | 3,618,000 | 5,666,000 | 7,735,000 |
| Net interest income | 1,981,000 | 4,085,000 | 6,287,000 | 8,461,000 |
| Noninterest income | 93,000 | 196,000 | 307,000 | 679,000 |
| Noninterest expense | 1,500,000 | 3,043,000 | 4,625,000 | 6,140,000 |
| Provision for loan losses | 66,000 | 191,000 | 241,000 | 491,000 |
| Pretax income | 508,000 | 1,047,000 | 1,728,000 | 2,509,000 |
| Income tax | 156,000 | 322,000 | 544,000 | 794,000 |
| Net income | 352,000 | 725,000 | 1,184,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,470,000 | 20,843,000 | 22,303,000 | 23,834,000 |
| Total capital | 21,696,000 | 23,194,000 | 24,704,000 | 26,474,000 |
| Risk-weighted assets | 206,591,000 | 224,956,000 | 234,097,000 | 229,332,000 |