Call reports 2014
FIRST NATIONAL BANK OF FREDERICK, THE — 2014
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 18,268,000 | 18,820,000 | 20,549,000 | 24,676,000 |
| Total loans | 5,720,000 | 6,686,000 | 7,089,000 | 8,524,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 6,865,000 | 6,684,000 | 6,922,000 | 6,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,617,000 | 16,087,000 | 17,807,000 | 21,890,000 |
| Interest-bearing deposits | 12,656,000 | 12,418,000 | 14,538,000 | 17,295,000 |
| Noninterest-bearing deposits | 2,961,000 | 3,669,000 | 3,269,000 | 4,595,000 |
| Equity capital | 2,508,000 | 2,562,000 | 2,573,000 | 2,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 147,000 | 293,000 | 453,000 | 614,000 |
| Interest expense | 18,000 | 35,000 | 53,000 | 72,000 |
| Net interest income | 129,000 | 258,000 | 400,000 | 542,000 |
| Noninterest income | 14,000 | 27,000 | 40,000 | 54,000 |
| Noninterest expense | 123,000 | 238,000 | 352,000 | 480,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 47,000 | 88,000 | 116,000 |
| Income tax | 3,000 | 5,000 | 13,000 | 17,000 |
| Net income | 17,000 | 42,000 | 75,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,415,000 | 2,440,000 | 2,473,000 | 2,498,000 |
| Total capital | 2,522,000 | 2,558,000 | 2,597,000 | 2,623,000 |
| Risk-weighted assets | 8,522,000 | 9,406,000 | 10,007,000 | 11,240,000 |