Call reports 2010
FREDERICK COUNTY BANK — 2010
What FREDERICK COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 280,649,000 | 297,687,000 | 296,144,000 | 288,079,000 |
| Total loans | 214,586,000 | 217,307,000 | 218,602,000 | 209,387,000 |
| Allowance for loan losses | 3,027,000 | 3,139,000 | 3,528,000 | 3,718,000 |
| Securities available for sale | 27,752,000 | 35,018,000 | 41,715,000 | 29,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,648,000 | 258,655,000 | 256,708,000 | 248,928,000 |
| Interest-bearing deposits | 203,428,000 | 216,159,000 | 216,434,000 | 207,450,000 |
| Noninterest-bearing deposits | 39,220,000 | 42,496,000 | 40,275,000 | 41,478,000 |
| Equity capital | 27,425,000 | 28,063,000 | 28,548,000 | 28,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,501,000 | 7,144,000 | 10,857,000 | 14,484,000 |
| Interest expense | 861,000 | 1,784,000 | 2,728,000 | 3,531,000 |
| Net interest income | 2,640,000 | 5,360,000 | 8,129,000 | 10,953,000 |
| Noninterest income | 132,000 | 273,000 | 417,000 | 544,000 |
| Noninterest expense | 1,828,000 | 3,891,000 | 5,918,000 | 7,903,000 |
| Provision for loan losses | 400,000 | 600,000 | 1,010,000 | 1,660,000 |
| Pretax income | 544,000 | 1,226,000 | 1,703,000 | 2,217,000 |
| Income tax | 168,000 | 441,000 | 606,000 | 774,000 |
| Net income | 376,000 | 785,000 | 1,097,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,363,000 | 27,772,000 | 28,085,000 | 28,430,000 |
| Total capital | 30,263,000 | 30,686,000 | 31,010,000 | 31,271,000 |
| Risk-weighted assets | 231,879,000 | 232,920,000 | 233,403,000 | 226,371,000 |
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