Call reports 2015
FREDERICK COUNTY BANK — 2015
What FREDERICK COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 350,267,000 | 355,251,000 | 357,799,000 | 349,341,000 |
| Total loans | 265,918,000 | 267,767,000 | 264,883,000 | 278,950,000 |
| Allowance for loan losses | 3,192,000 | 3,106,000 | 3,053,000 | 3,064,000 |
| Securities available for sale | 25,972,000 | 24,171,000 | 24,360,000 | 23,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,553,000 | 304,657,000 | 306,749,000 | 297,646,000 |
| Interest-bearing deposits | 229,306,000 | 234,902,000 | 237,214,000 | 227,854,000 |
| Noninterest-bearing deposits | 65,247,000 | 69,756,000 | 69,535,000 | 69,792,000 |
| Equity capital | 34,671,000 | 34,784,000 | 35,200,000 | 35,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,517,000 | 9,792,000 | 13,166,000 |
| Interest expense | 345,000 | 690,000 | 1,036,000 | 1,377,000 |
| Net interest income | 2,858,000 | 5,827,000 | 8,756,000 | 11,789,000 |
| Noninterest income | 450,000 | 690,000 | 1,045,000 | 1,663,000 |
| Noninterest expense | 2,617,000 | 5,264,000 | 7,978,000 | 10,519,000 |
| Provision for loan losses | 0 | 0 | 0 | -178,000 |
| Pretax income | 760,000 | 1,322,000 | 1,921,000 | 3,209,000 |
| Income tax | 241,000 | 405,000 | 585,000 | 1,032,000 |
| Net income | 519,000 | 917,000 | 1,336,000 | 2,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,644,000 | 34,932,000 | 35,240,000 | 35,971,000 |
| Total capital | 37,836,000 | 38,038,000 | 38,293,000 | 39,035,000 |
| Risk-weighted assets | 293,014,000 | 291,164,000 | 290,867,000 | 310,322,000 |