Call reports 2013
FREDERICK COUNTY BANK — 2013
What FREDERICK COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 318,198,000 | 322,345,000 | 315,073,000 | 316,822,000 |
| Total loans | 230,660,000 | 235,739,000 | 246,370,000 | 253,913,000 |
| Allowance for loan losses | 3,565,000 | 3,697,000 | 3,635,000 | 3,423,000 |
| Securities available for sale | 31,794,000 | 35,373,000 | 33,413,000 | 26,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,274,000 | 279,461,000 | 272,333,000 | 268,915,000 |
| Interest-bearing deposits | 222,813,000 | 225,233,000 | 215,614,000 | 216,774,000 |
| Noninterest-bearing deposits | 52,462,000 | 54,228,000 | 56,719,000 | 52,140,000 |
| Equity capital | 31,991,000 | 31,869,000 | 31,907,000 | 32,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,074,000 | 6,172,000 | 9,364,000 | 12,617,000 |
| Interest expense | 407,000 | 794,000 | 1,176,000 | 1,552,000 |
| Net interest income | 2,667,000 | 5,378,000 | 8,188,000 | 11,065,000 |
| Noninterest income | 240,000 | 460,000 | 688,000 | 910,000 |
| Noninterest expense | 2,221,000 | 4,381,000 | 6,704,000 | 8,948,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 275,000 |
| Pretax income | 686,000 | 1,457,000 | 2,097,000 | 2,735,000 |
| Income tax | 178,000 | 422,000 | 612,000 | 791,000 |
| Net income | 508,000 | 1,035,000 | 1,485,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,634,000 | 32,066,000 | 32,422,000 | 32,785,000 |
| Total capital | 34,837,000 | 35,362,000 | 35,820,000 | 36,208,000 |
| Risk-weighted assets | 255,870,000 | 263,296,000 | 271,638,000 | 275,644,000 |
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