Call reports 2009
FIRST NATIONAL BANK OF FREDERICK, THE — 2009
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 14,415,000 | 14,501,000 | 15,574,000 | 15,067,000 |
| Total loans | 5,387,000 | 5,601,000 | 5,707,000 | 5,962,000 |
| Allowance for loan losses | 92,000 | 93,000 | 85,000 | 94,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,893,000 | 5,737,000 | 6,699,000 | 7,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,079,000 | 12,169,000 | 13,231,000 | 12,724,000 |
| Interest-bearing deposits | 10,506,000 | 10,702,000 | 11,746,000 | 10,868,000 |
| Noninterest-bearing deposits | 1,573,000 | 1,467,000 | 1,485,000 | 1,856,000 |
| Equity capital | 2,259,000 | 2,264,000 | 2,263,000 | 2,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 159,000 | 317,000 | 480,000 | 649,000 |
| Interest expense | 53,000 | 102,000 | 154,000 | 204,000 |
| Net interest income | 106,000 | 215,000 | 326,000 | 445,000 |
| Noninterest income | 14,000 | 33,000 | 48,000 | 62,000 |
| Noninterest expense | 110,000 | 232,000 | 357,000 | 480,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | 10,000 | 16,000 | 17,000 | 19,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 0 |
| Net income | 9,000 | 14,000 | 13,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,259,000 | 2,264,000 | 2,263,000 | 2,269,000 |
| Total capital | 2,351,000 | 2,357,000 | 2,348,000 | 2,363,000 |
| Risk-weighted assets | 8,044,000 | 8,265,000 | 8,577,000 | 8,752,000 |
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