Call reports 2008
FREDERICK COUNTY BANK — 2008
What FREDERICK COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 262,616,000 | 262,003,000 | 260,507,000 | 254,076,000 |
| Total loans | 210,278,000 | 209,968,000 | 211,517,000 | 211,840,000 |
| Allowance for loan losses | 2,470,000 | 2,584,000 | 2,700,000 | 3,120,000 |
| Securities available for sale | 24,637,000 | 26,160,000 | 20,170,000 | 19,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,820,000 | 225,184,000 | 224,515,000 | 217,627,000 |
| Interest-bearing deposits | 192,484,000 | 189,947,000 | 188,283,000 | 184,819,000 |
| Noninterest-bearing deposits | 33,336,000 | 35,238,000 | 36,233,000 | 32,808,000 |
| Equity capital | 24,415,000 | 24,430,000 | 24,731,000 | 25,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,003,000 | 7,823,000 | 11,713,000 | 15,433,000 |
| Interest expense | 1,902,000 | 3,623,000 | 5,212,000 | 6,753,000 |
| Net interest income | 2,101,000 | 4,200,000 | 6,501,000 | 8,680,000 |
| Noninterest income | 164,000 | 306,000 | 440,000 | 585,000 |
| Noninterest expense | 1,619,000 | 3,263,000 | 4,932,000 | 6,475,000 |
| Provision for loan losses | 120,000 | 240,000 | 460,000 | 935,000 |
| Pretax income | 526,000 | 1,003,000 | 1,575,000 | 1,881,000 |
| Income tax | 151,000 | 298,000 | 486,000 | 578,000 |
| Net income | 375,000 | 705,000 | 1,089,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,209,000 | 24,538,000 | 24,922,000 | 25,637,000 |
| Total capital | 26,679,000 | 27,122,000 | 27,622,000 | 28,504,000 |
| Risk-weighted assets | 231,282,000 | 233,348,000 | 233,894,000 | 229,102,000 |