Call reports 2011
FIRST NATIONAL BANK OF FREDERICK, THE — 2011
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 15,374,000 | 17,749,000 | 18,013,000 | 18,103,000 |
| Total loans | 4,567,000 | 5,272,000 | 6,123,000 | 5,952,000 |
| Allowance for loan losses | 129,000 | 114,000 | 114,000 | 126,000 |
| Securities available for sale | 7,369,000 | 9,114,000 | 9,362,000 | 10,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,807,000 | 15,026,000 | 15,200,000 | 15,391,000 |
| Interest-bearing deposits | 10,726,000 | 12,711,000 | 13,003,000 | 12,684,000 |
| Noninterest-bearing deposits | 2,081,000 | 2,315,000 | 2,198,000 | 2,708,000 |
| Equity capital | 2,410,000 | 2,509,000 | 2,571,000 | 2,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 144,000 | 297,000 | 460,000 | 618,000 |
| Interest expense | 35,000 | 69,000 | 108,000 | 144,000 |
| Net interest income | 109,000 | 228,000 | 352,000 | 474,000 |
| Noninterest income | 15,000 | 31,000 | 48,000 | 64,000 |
| Noninterest expense | 120,000 | 237,000 | 350,000 | 505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 22,000 | 50,000 | 33,000 |
| Income tax | 0 | 4,000 | 5,000 | 0 |
| Net income | 4,000 | 18,000 | 45,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,272,000 | 2,286,000 | 2,314,000 | 2,301,000 |
| Total capital | 2,362,000 | 2,393,000 | 2,428,000 | 2,416,000 |
| Risk-weighted assets | 7,450,000 | 8,481,000 | 9,281,000 | 9,214,000 |