Call reports 2016
FREDERICK COUNTY BANK — 2016
What FREDERICK COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 361,746,000 | 369,924,000 | 381,649,000 | 376,675,000 |
| Total loans | 285,614,000 | 294,939,000 | 299,236,000 | 306,599,000 |
| Allowance for loan losses | 3,044,000 | 3,072,000 | 3,133,000 | 3,744,000 |
| Securities available for sale | 22,502,000 | 19,263,000 | 18,106,000 | 22,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,404,000 | 317,351,000 | 326,923,000 | 322,255,000 |
| Interest-bearing deposits | 234,810,000 | 236,764,000 | 246,968,000 | 238,754,000 |
| Noninterest-bearing deposits | 74,594,000 | 80,587,000 | 79,955,000 | 83,501,000 |
| Equity capital | 36,228,000 | 36,626,000 | 38,721,000 | 38,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,361,000 | 6,818,000 | 10,338,000 | 13,836,000 |
| Interest expense | 306,000 | 599,000 | 894,000 | 1,182,000 |
| Net interest income | 3,055,000 | 6,219,000 | 9,444,000 | 12,654,000 |
| Noninterest income | 230,000 | 475,000 | 790,000 | 1,207,000 |
| Noninterest expense | 2,799,000 | 5,460,000 | 8,200,000 | 10,968,000 |
| Provision for loan losses | 0 | 200,000 | 250,000 | 850,000 |
| Pretax income | 486,000 | 1,085,000 | 1,835,000 | 2,094,000 |
| Income tax | 144,000 | 327,000 | 573,000 | 633,000 |
| Net income | 342,000 | 758,000 | 1,262,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,203,000 | 36,509,000 | 38,624,000 | 38,712,000 |
| Total capital | 39,247,000 | 39,581,000 | 41,757,000 | 42,456,000 |
| Risk-weighted assets | 321,004,000 | 329,951,000 | 337,189,000 | 353,562,000 |