Call reports 2017
FREDERICK COUNTY BANK — 2017
What FREDERICK COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 393,900,000 | 404,609,000 | 395,793,000 | 404,167,000 |
| Total loans | 311,154,000 | 309,330,000 | 316,795,000 | 322,156,000 |
| Allowance for loan losses | 3,822,000 | 3,961,000 | 4,067,000 | 3,265,000 |
| Securities available for sale | 21,921,000 | 21,047,000 | 20,877,000 | 23,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,006,000 | 348,262,000 | 333,668,000 | 332,389,000 |
| Interest-bearing deposits | 243,910,000 | 255,211,000 | 243,090,000 | 242,401,000 |
| Noninterest-bearing deposits | 89,096,000 | 93,051,000 | 90,578,000 | 89,988,000 |
| Equity capital | 39,954,000 | 40,529,000 | 41,287,000 | 41,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,584,000 | 7,419,000 | 11,257,000 | 15,080,000 |
| Interest expense | 314,000 | 670,000 | 1,042,000 | 1,448,000 |
| Net interest income | 3,270,000 | 6,749,000 | 10,215,000 | 13,632,000 |
| Noninterest income | 231,000 | 613,000 | 1,226,000 | 1,452,000 |
| Noninterest expense | 2,690,000 | 5,542,000 | 8,303,000 | 10,926,000 |
| Provision for loan losses | 178,000 | 271,000 | 364,000 | 645,000 |
| Pretax income | 633,000 | 1,549,000 | 2,774,000 | 3,513,000 |
| Income tax | 207,000 | 525,000 | 965,000 | 1,534,000 |
| Net income | 426,000 | 1,024,000 | 1,809,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,029,000 | 40,516,000 | 41,301,000 | 41,244,000 |
| Total capital | 43,851,000 | 44,477,000 | 45,368,000 | 44,509,000 |
| Risk-weighted assets | 356,801,000 | 355,903,000 | 363,209,000 | 368,616,000 |