Call reports 2005
FIRST NATIONAL BANK OF FREDERICK, THE — 2005
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 13,009,000 | 12,654,000 | 12,728,000 | 12,968,000 |
| Total loans | 3,768,000 | 4,363,000 | 4,574,000 | 4,233,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 113,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,092,000 | 6,068,000 | 5,742,000 | 5,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,782,000 | 10,422,000 | 10,470,000 | 10,691,000 |
| Interest-bearing deposits | 9,216,000 | 9,425,000 | 9,267,000 | 9,076,000 |
| Noninterest-bearing deposits | 1,566,000 | 997,000 | 1,204,000 | 1,615,000 |
| Equity capital | 2,172,000 | 2,184,000 | 2,197,000 | 2,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 140,000 | 274,000 | 418,000 | 575,000 |
| Interest expense | 34,000 | 69,000 | 107,000 | 148,000 |
| Net interest income | 106,000 | 205,000 | 311,000 | 427,000 |
| Noninterest income | 13,000 | 29,000 | 47,000 | 63,000 |
| Noninterest expense | 107,000 | 214,000 | 321,000 | 429,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 20,000 | 37,000 | 61,000 |
| Income tax | 5,000 | 1,000 | 5,000 | 7,000 |
| Net income | 7,000 | 19,000 | 32,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,172,000 | 2,184,000 | 2,197,000 | 2,219,000 |
| Total capital | 2,251,000 | 2,268,000 | 2,284,000 | 2,303,000 |
| Risk-weighted assets | 6,263,000 | 6,670,000 | 6,899,000 | 6,673,000 |
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