Call reports 2010
FIRST NATIONAL BANK OF FREDERICK, THE — 2010
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 14,378,000 | 14,587,000 | 14,542,000 | 18,007,000 |
| Total loans | 5,690,000 | 6,124,000 | 6,558,000 | 5,607,000 |
| Allowance for loan losses | 95,000 | 172,000 | 172,000 | 131,000 |
| Securities available for sale | 0 | 0 | 0 | 7,606,000 |
| Securities held to maturity | 6,847,000 | 6,644,000 | 6,121,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,425,000 | 12,286,000 | 12,013,000 | 15,422,000 |
| Interest-bearing deposits | 10,068,000 | 10,352,000 | 10,457,000 | 12,854,000 |
| Noninterest-bearing deposits | 1,357,000 | 1,934,000 | 1,556,000 | 2,568,000 |
| Equity capital | 2,284,000 | 2,233,000 | 2,261,000 | 2,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 319,000 | 483,000 | 634,000 |
| Interest expense | 41,000 | 81,000 | 122,000 | 164,000 |
| Net interest income | 116,000 | 238,000 | 361,000 | 470,000 |
| Noninterest income | 16,000 | 31,000 | 47,000 | 65,000 |
| Noninterest expense | 112,000 | 224,000 | 336,000 | 448,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 75,000 |
| Pretax income | 20,000 | -30,000 | -3,000 | 12,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 20,000 | -30,000 | -3,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,284,000 | 2,233,000 | 2,261,000 | 2,268,000 |
| Total capital | 2,379,000 | 2,343,000 | 2,375,000 | 2,379,000 |
| Risk-weighted assets | 8,378,000 | 8,717,000 | 9,035,000 | 8,845,000 |