Call reports 2018
FREDERICK COUNTY BANK — 2018
What FREDERICK COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 420,258,000 | 424,254,000 | 422,715,000 | 418,132,000 |
| Total loans | 325,790,000 | 326,344,000 | 329,621,000 | 339,729,000 |
| Allowance for loan losses | 3,633,000 | 3,333,000 | 3,339,000 | 3,426,000 |
| Securities available for sale | 22,264,000 | 22,592,000 | 21,589,000 | 21,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,477,000 | 355,616,000 | 358,191,000 | 353,270,000 |
| Interest-bearing deposits | 257,153,000 | 256,944,000 | 260,514,000 | 252,396,000 |
| Noninterest-bearing deposits | 90,325,000 | 98,672,000 | 97,677,000 | 100,874,000 |
| Equity capital | 41,662,000 | 42,426,000 | 42,828,000 | 43,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,106,000 | 8,357,000 | 12,629,000 | 17,019,000 |
| Interest expense | 511,000 | 1,080,000 | 1,692,000 | 2,361,000 |
| Net interest income | 3,595,000 | 7,277,000 | 10,937,000 | 14,658,000 |
| Noninterest income | 357,000 | 742,000 | 1,055,000 | 1,593,000 |
| Noninterest expense | 2,797,000 | 5,945,000 | 9,087,000 | 12,128,000 |
| Provision for loan losses | -145,000 | -512,000 | -512,000 | -442,000 |
| Pretax income | 1,300,000 | 2,586,000 | 3,417,000 | 4,565,000 |
| Income tax | 337,000 | 669,000 | 875,000 | 1,159,000 |
| Net income | 963,000 | 1,917,000 | 2,542,000 | 3,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,082,000 | 42,861,000 | 43,346,000 | 44,070,000 |
| Total capital | 45,715,000 | 46,194,000 | 46,685,000 | 47,496,000 |
| Risk-weighted assets | 370,021,000 | 362,118,000 | 369,550,000 | 379,087,000 |