Call reports 2004
FIRST NATIONAL BANK OF FREDERICK, THE — 2004
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 13,058,000 | 12,770,000 | 12,421,000 | 12,868,000 |
| Total loans | 3,685,000 | 4,286,000 | 4,580,000 | 4,790,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 113,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,346,000 | 6,618,000 | 6,582,000 | 5,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,835,000 | 10,545,000 | 10,186,000 | 10,632,000 |
| Interest-bearing deposits | 9,699,000 | 9,296,000 | 9,117,000 | 9,142,000 |
| Noninterest-bearing deposits | 1,136,000 | 1,249,000 | 1,069,000 | 1,490,000 |
| Equity capital | 2,171,000 | 2,177,000 | 2,184,000 | 2,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 138,000 | 267,000 | 402,000 | 538,000 |
| Interest expense | 39,000 | 75,000 | 112,000 | 148,000 |
| Net interest income | 99,000 | 192,000 | 290,000 | 390,000 |
| Noninterest income | 16,000 | 33,000 | 49,000 | 65,000 |
| Noninterest expense | 105,000 | 209,000 | 316,000 | 425,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | 16,000 | 23,000 | 30,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 9,000 | 15,000 | 22,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,171,000 | 2,177,000 | 2,184,000 | 2,190,000 |
| Total capital | 2,249,000 | 2,260,000 | 2,270,000 | 2,279,000 |
| Risk-weighted assets | 6,198,000 | 6,633,000 | 6,826,000 | 7,077,000 |
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