Call reports 2003
FIRST NATIONAL BANK OF FREDERICK, THE — 2003
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 12,287,000 | 12,396,000 | 12,246,000 | 13,278,000 |
| Total loans | 3,774,000 | 4,155,000 | 4,142,000 | 4,605,000 |
| Allowance for loan losses | 103,000 | 105,000 | 105,000 | 105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,612,000 | 5,171,000 | 6,036,000 | 5,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,057,000 | 10,170,000 | 10,009,000 | 11,040,000 |
| Interest-bearing deposits | 9,100,000 | 9,000,000 | 8,907,000 | 9,666,000 |
| Noninterest-bearing deposits | 957,000 | 1,170,000 | 1,102,000 | 1,374,000 |
| Equity capital | 2,171,000 | 2,171,000 | 2,179,000 | 2,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 152,000 | 285,000 | 425,000 | 557,000 |
| Interest expense | 48,000 | 95,000 | 141,000 | 183,000 |
| Net interest income | 104,000 | 190,000 | 284,000 | 374,000 |
| Noninterest income | 14,000 | 32,000 | 48,000 | 66,000 |
| Noninterest expense | 105,000 | 208,000 | 311,000 | 411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 14,000 | 21,000 | 29,000 |
| Income tax | 1,000 | 2,000 | 1,000 | 1,000 |
| Net income | 12,000 | 12,000 | 20,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,171,000 | 2,171,000 | 2,179,000 | 2,187,000 |
| Total capital | 2,247,000 | 2,252,000 | 2,260,000 | 2,274,000 |
| Risk-weighted assets | 6,085,000 | 6,434,000 | 6,416,000 | 7,000,000 |
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