Call reports 2016
FIRST NATIONAL BANK OF FREDERICK, THE — 2016
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 19,594,000 | 20,728,000 | 21,690,000 | 23,027,000 |
| Total loans | 7,078,000 | 8,571,000 | 9,314,000 | 9,962,000 |
| Allowance for loan losses | 167,000 | 167,000 | 167,000 | 167,000 |
| Securities available for sale | 5,493,000 | 5,266,000 | 4,470,000 | 5,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,729,000 | 17,819,000 | 18,800,000 | 20,249,000 |
| Interest-bearing deposits | 12,782,000 | 14,837,000 | 14,261,000 | 14,191,000 |
| Noninterest-bearing deposits | 3,947,000 | 2,982,000 | 4,539,000 | 6,058,000 |
| Equity capital | 2,735,000 | 2,774,000 | 2,771,000 | 2,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 148,000 | 295,000 | 458,000 | 622,000 |
| Interest expense | 15,000 | 29,000 | 41,000 | 55,000 |
| Net interest income | 133,000 | 266,000 | 417,000 | 567,000 |
| Noninterest income | 17,000 | 31,000 | 44,000 | 55,000 |
| Noninterest expense | 117,000 | 244,000 | 363,000 | 494,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 33,000 | 53,000 | 98,000 | 128,000 |
| Income tax | 4,000 | 4,000 | 17,000 | 26,000 |
| Net income | 29,000 | 49,000 | 81,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,627,000 | 2,646,000 | 2,679,000 | 2,700,000 |
| Total capital | 2,747,000 | 2,783,000 | 2,829,000 | 2,856,000 |
| Risk-weighted assets | 9,539,000 | 10,932,000 | 12,048,000 | 12,506,000 |