Call reports 2012
FREDERICK COUNTY BANK — 2012
What FREDERICK COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 301,983,000 | 309,778,000 | 309,157,000 | 312,047,000 |
| Total loans | 213,295,000 | 221,729,000 | 226,591,000 | 229,288,000 |
| Allowance for loan losses | 3,286,000 | 3,202,000 | 3,157,000 | 3,571,000 |
| Securities available for sale | 41,319,000 | 43,570,000 | 42,796,000 | 34,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,957,000 | 266,996,000 | 265,935,000 | 269,181,000 |
| Interest-bearing deposits | 213,156,000 | 213,272,000 | 214,635,000 | 217,312,000 |
| Noninterest-bearing deposits | 46,800,000 | 53,724,000 | 51,300,000 | 51,868,000 |
| Equity capital | 30,920,000 | 31,407,000 | 31,789,000 | 31,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,495,000 | 9,791,000 | 13,009,000 |
| Interest expense | 481,000 | 944,000 | 1,391,000 | 1,838,000 |
| Net interest income | 2,774,000 | 5,551,000 | 8,400,000 | 11,171,000 |
| Noninterest income | 185,000 | 390,000 | 581,000 | 814,000 |
| Noninterest expense | 2,348,000 | 4,747,000 | 7,126,000 | 9,486,000 |
| Provision for loan losses | 65,000 | 65,000 | 425,000 | 1,275,000 |
| Pretax income | 546,000 | 1,349,000 | 1,886,000 | 2,274,000 |
| Income tax | 150,000 | 423,000 | 557,000 | 644,000 |
| Net income | 396,000 | 926,000 | 1,329,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,212,000 | 30,662,000 | 30,985,000 | 31,206,000 |
| Total capital | 33,214,000 | 33,772,000 | 34,142,000 | 34,424,000 |
| Risk-weighted assets | 239,864,000 | 248,727,000 | 255,869,000 | 257,099,000 |