Call reports 2011
FREDERICK COUNTY BANK — 2011
What FREDERICK COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 290,746,000 | 304,360,000 | 288,453,000 | 289,328,000 |
| Total loans | 207,766,000 | 213,458,000 | 209,694,000 | 212,315,000 |
| Allowance for loan losses | 3,842,000 | 3,615,000 | 3,129,000 | 3,216,000 |
| Securities available for sale | 36,575,000 | 44,779,000 | 38,022,000 | 36,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,210,000 | 263,879,000 | 246,889,000 | 247,462,000 |
| Interest-bearing deposits | 208,319,000 | 221,606,000 | 204,116,000 | 203,643,000 |
| Noninterest-bearing deposits | 42,892,000 | 42,273,000 | 42,773,000 | 43,819,000 |
| Equity capital | 28,833,000 | 29,442,000 | 30,278,000 | 30,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,405,000 | 6,830,000 | 10,290,000 | 13,600,000 |
| Interest expense | 703,000 | 1,401,000 | 2,022,000 | 2,555,000 |
| Net interest income | 2,702,000 | 5,429,000 | 8,268,000 | 11,045,000 |
| Noninterest income | 121,000 | 264,000 | 407,000 | 590,000 |
| Noninterest expense | 2,102,000 | 4,153,000 | 6,201,000 | 8,347,000 |
| Provision for loan losses | 115,000 | 615,000 | 1,515,000 | 1,740,000 |
| Pretax income | 609,000 | 928,000 | 1,345,000 | 1,934,000 |
| Income tax | 208,000 | 261,000 | 347,000 | 518,000 |
| Net income | 401,000 | 667,000 | 998,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,831,000 | 28,947,000 | 29,478,000 | 29,897,000 |
| Total capital | 31,686,000 | 31,943,000 | 32,413,000 | 32,882,000 |
| Risk-weighted assets | 227,433,000 | 239,064,000 | 234,612,000 | 238,532,000 |
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