Call reports 2015
FIRST NATIONAL BANK OF FREDERICK, THE — 2015
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 19,775,000 | 19,690,000 | 19,792,000 | 20,535,000 |
| Total loans | 6,249,000 | 7,428,000 | 7,451,000 | 8,276,000 |
| Allowance for loan losses | 125,000 | 166,000 | 167,000 | 167,000 |
| Securities available for sale | 6,562,000 | 6,191,000 | 5,956,000 | 5,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,964,000 | 16,896,000 | 16,927,000 | 17,723,000 |
| Interest-bearing deposits | 13,715,000 | 14,091,000 | 13,422,000 | 15,200,000 |
| Noninterest-bearing deposits | 3,249,000 | 2,804,000 | 3,505,000 | 2,523,000 |
| Equity capital | 2,643,000 | 2,649,000 | 2,696,000 | 2,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 339,000 | 492,000 | 641,000 |
| Interest expense | 17,000 | 34,000 | 49,000 | 64,000 |
| Net interest income | 132,000 | 305,000 | 443,000 | 577,000 |
| Noninterest income | 15,000 | 29,000 | 42,000 | 58,000 |
| Noninterest expense | 124,000 | 243,000 | 359,000 | 495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 23,000 | 91,000 | 126,000 | 140,000 |
| Income tax | 3,000 | 16,000 | 26,000 | 18,000 |
| Net income | 20,000 | 75,000 | 100,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,508,000 | 2,563,000 | 2,588,000 | 2,610,000 |
| Total capital | 2,618,000 | 2,688,000 | 2,714,000 | 2,745,000 |
| Risk-weighted assets | 8,807,000 | 9,929,000 | 9,970,000 | 10,778,000 |