Call reports 2007
FIRST NATIONAL BANK OF FREDERICK, THE — 2007
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 12,312,000 | 12,599,000 | 12,566,000 | 13,936,000 |
| Total loans | 3,528,000 | 4,666,000 | 4,280,000 | 4,045,000 |
| Allowance for loan losses | 101,000 | 101,000 | 101,000 | 83,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,578,000 | 5,407,000 | 5,392,000 | 6,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,005,000 | 10,289,000 | 10,241,000 | 11,609,000 |
| Interest-bearing deposits | 8,964,000 | 8,993,000 | 8,933,000 | 10,251,000 |
| Noninterest-bearing deposits | 1,041,000 | 1,296,000 | 1,308,000 | 1,358,000 |
| Equity capital | 2,230,000 | 2,238,000 | 2,239,000 | 2,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 156,000 | 315,000 | 474,000 | 642,000 |
| Interest expense | 54,000 | 110,000 | 171,000 | 234,000 |
| Net interest income | 102,000 | 205,000 | 303,000 | 408,000 |
| Noninterest income | 16,000 | 31,000 | 45,000 | 64,000 |
| Noninterest expense | 119,000 | 228,000 | 339,000 | 449,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 8,000 | 9,000 | 23,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | 8,000 | 9,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,230,000 | 2,238,000 | 2,239,000 | 2,253,000 |
| Total capital | 2,306,000 | 2,326,000 | 2,324,000 | 2,336,000 |
| Risk-weighted assets | 6,016,000 | 7,014,000 | 6,799,000 | 6,869,000 |
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