Call reports 2013
FIRST NATIONAL BANK OF FREDERICK, THE — 2013
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 17,414,000 | 19,942,000 | 19,176,000 | 20,544,000 |
| Total loans | 5,580,000 | 6,946,000 | 7,472,000 | 7,030,000 |
| Allowance for loan losses | 127,000 | 127,000 | 127,000 | 127,000 |
| Securities available for sale | 6,980,000 | 7,678,000 | 7,047,000 | 6,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,637,000 | 17,279,000 | 16,299,000 | 17,941,000 |
| Interest-bearing deposits | 11,678,000 | 14,538,000 | 12,823,000 | 15,512,000 |
| Noninterest-bearing deposits | 2,959,000 | 2,741,000 | 3,476,000 | 2,429,000 |
| Equity capital | 2,564,000 | 2,496,000 | 2,510,000 | 2,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 136,000 | 279,000 | 434,000 | 581,000 |
| Interest expense | 23,000 | 45,000 | 66,000 | 87,000 |
| Net interest income | 113,000 | 234,000 | 368,000 | 494,000 |
| Noninterest income | 16,000 | 32,000 | 45,000 | 60,000 |
| Noninterest expense | 126,000 | 247,000 | 365,000 | 495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 19,000 | 48,000 | 59,000 |
| Income tax | 0 | 1,000 | 5,000 | 5,000 |
| Net income | 3,000 | 18,000 | 43,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,355,000 | 2,371,000 | 2,395,000 | 2,406,000 |
| Total capital | 2,458,000 | 2,495,000 | 2,522,000 | 2,529,000 |
| Risk-weighted assets | 8,197,000 | 9,901,000 | 10,142,000 | 10,138,000 |