Call reports 2012
FIRST NATIONAL BANK OF FREDERICK, THE — 2012
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 17,591,000 | 18,494,000 | 20,446,000 | 20,269,000 |
| Total loans | 5,340,000 | 6,389,000 | 6,264,000 | 7,214,000 |
| Allowance for loan losses | 126,000 | 127,000 | 127,000 | 127,000 |
| Securities available for sale | 9,700,000 | 9,221,000 | 8,292,000 | 7,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,723,000 | 15,476,000 | 17,583,000 | 17,461,000 |
| Interest-bearing deposits | 12,728,000 | 12,999,000 | 13,159,000 | 13,053,000 |
| Noninterest-bearing deposits | 1,995,000 | 2,477,000 | 4,424,000 | 4,408,000 |
| Equity capital | 2,544,000 | 2,585,000 | 2,622,000 | 2,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 303,000 | 459,000 | 614,000 |
| Interest expense | 32,000 | 64,000 | 92,000 | 116,000 |
| Net interest income | 117,000 | 239,000 | 367,000 | 498,000 |
| Noninterest income | 14,000 | 30,000 | 43,000 | 56,000 |
| Noninterest expense | 120,000 | 232,000 | 342,000 | 477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 37,000 | 68,000 | 77,000 |
| Income tax | 1,000 | 1,000 | 5,000 | 10,000 |
| Net income | 10,000 | 36,000 | 63,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,306,000 | 2,332,000 | 2,359,000 | 2,362,000 |
| Total capital | 2,411,000 | 2,449,000 | 2,480,000 | 2,489,000 |
| Risk-weighted assets | 8,340,000 | 9,336,000 | 9,648,000 | 10,127,000 |