Call reports 2009
FREDERICK COUNTY BANK — 2009
What FREDERICK COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 258,999,000 | 257,649,000 | 265,677,000 | 257,541,000 |
| Total loans | 208,230,000 | 206,929,000 | 211,149,000 | 214,943,000 |
| Allowance for loan losses | 2,838,000 | 3,038,000 | 3,210,000 | 3,127,000 |
| Securities available for sale | 19,354,000 | 14,158,000 | 22,451,000 | 23,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,186,000 | 220,518,000 | 228,271,000 | 219,776,000 |
| Interest-bearing deposits | 188,140,000 | 184,628,000 | 190,864,000 | 181,347,000 |
| Noninterest-bearing deposits | 34,046,000 | 35,890,000 | 37,407,000 | 38,429,000 |
| Equity capital | 25,850,000 | 26,075,000 | 26,605,000 | 27,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,461,000 | 6,926,000 | 10,431,000 | 13,990,000 |
| Interest expense | 1,367,000 | 2,649,000 | 3,855,000 | 4,871,000 |
| Net interest income | 2,094,000 | 4,277,000 | 6,576,000 | 9,119,000 |
| Noninterest income | 108,000 | 241,000 | 387,000 | 537,000 |
| Noninterest expense | 1,681,000 | 3,451,000 | 5,115,000 | 6,723,000 |
| Provision for loan losses | 400,000 | 600,000 | 875,000 | 1,175,000 |
| Pretax income | 121,000 | 584,000 | 1,090,000 | 1,993,000 |
| Income tax | 13,000 | 167,000 | 330,000 | 644,000 |
| Net income | 109,000 | 418,000 | 761,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,746,000 | 26,056,000 | 26,398,000 | 26,987,000 |
| Total capital | 28,548,000 | 28,831,000 | 29,246,000 | 29,907,000 |
| Risk-weighted assets | 224,087,000 | 221,708,000 | 227,491,000 | 233,394,000 |