Call reports 2019
FREDERICK COUNTY BANK — 2019
What FREDERICK COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 441,972,000 | 454,828,000 | 452,142,000 | 434,037,000 |
| Total loans | 342,201,000 | 352,587,000 | 346,538,000 | 347,900,000 |
| Allowance for loan losses | 3,434,000 | 3,487,000 | 3,395,000 | 3,164,000 |
| Securities available for sale | 25,662,000 | 24,426,000 | 23,055,000 | 21,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,089,000 | 385,454,000 | 382,058,000 | 374,127,000 |
| Interest-bearing deposits | 265,300,000 | 272,189,000 | 274,683,000 | 269,939,000 |
| Noninterest-bearing deposits | 107,789,000 | 113,266,000 | 107,375,000 | 104,188,000 |
| Equity capital | 44,560,000 | 45,165,000 | 45,591,000 | 46,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 8,758,000 | 13,397,000 | 17,831,000 |
| Interest expense | 820,000 | 1,763,000 | 2,762,000 | 3,681,000 |
| Net interest income | 3,567,000 | 6,995,000 | 10,635,000 | 14,150,000 |
| Noninterest income | 369,000 | 813,000 | 1,379,000 | 2,011,000 |
| Noninterest expense | 2,890,000 | 6,108,000 | 9,483,000 | 12,959,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 1,046,000 | 1,700,000 | 2,531,000 | 3,402,000 |
| Income tax | 260,000 | 402,000 | 699,000 | 950,000 |
| Net income | 786,000 | 1,298,000 | 1,832,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,717,000 | 45,087,000 | 45,482,000 | 46,102,000 |
| Total capital | 48,151,000 | 48,574,000 | 48,877,000 | 49,266,000 |
| Risk-weighted assets | 388,987,000 | 395,092,000 | 390,669,000 | 386,223,000 |