Call reports 2014
FREDERICK COUNTY BANK — 2014
What FREDERICK COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 332,753,000 | 330,193,000 | 333,689,000 | 341,869,000 |
| Total loans | 252,819,000 | 256,677,000 | 259,908,000 | 262,525,000 |
| Allowance for loan losses | 3,384,000 | 3,381,000 | 3,293,000 | 3,362,000 |
| Securities available for sale | 26,023,000 | 25,292,000 | 24,484,000 | 23,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,054,000 | 275,975,000 | 278,720,000 | 286,892,000 |
| Interest-bearing deposits | 226,738,000 | 218,990,000 | 218,620,000 | 221,296,000 |
| Noninterest-bearing deposits | 57,317,000 | 56,985,000 | 60,100,000 | 65,596,000 |
| Equity capital | 32,858,000 | 33,307,000 | 33,787,000 | 34,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,224,000 | 6,431,000 | 9,725,000 | 13,018,000 |
| Interest expense | 371,000 | 744,000 | 1,123,000 | 1,484,000 |
| Net interest income | 2,853,000 | 5,687,000 | 8,602,000 | 11,534,000 |
| Noninterest income | 214,000 | 395,000 | 820,000 | 1,130,000 |
| Noninterest expense | 2,260,000 | 4,674,000 | 7,233,000 | 9,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 807,000 | 1,408,000 | 2,189,000 | 2,761,000 |
| Income tax | 255,000 | 446,000 | 703,000 | 872,000 |
| Net income | 552,000 | 962,000 | 1,486,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,227,000 | 33,527,000 | 33,941,000 | 34,235,000 |
| Total capital | 36,611,000 | 36,908,000 | 37,234,000 | 37,597,000 |
| Risk-weighted assets | 275,006,000 | 278,963,000 | 282,866,000 | 285,075,000 |
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