Call reports 2019
FIRST NATIONAL BANK OF FREDERICK, THE — 2019
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 19,672,000 | 20,603,000 | 22,667,000 | 25,272,000 |
| Total loans | 7,495,000 | 8,699,000 | 8,610,000 | 8,985,000 |
| Allowance for loan losses | 167,000 | 168,000 | 168,000 | 168,000 |
| Securities available for sale | 5,267,000 | 5,109,000 | 4,900,000 | 4,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,698,000 | 17,568,000 | 19,565,000 | 22,166,000 |
| Interest-bearing deposits | 12,873,000 | 13,730,000 | 15,951,000 | 17,905,000 |
| Noninterest-bearing deposits | 3,825,000 | 3,838,000 | 3,614,000 | 4,261,000 |
| Equity capital | 2,897,000 | 2,949,000 | 2,996,000 | 3,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 172,000 | 354,000 | 542,000 | 727,000 |
| Interest expense | 18,000 | 40,000 | 66,000 | 96,000 |
| Net interest income | 154,000 | 314,000 | 476,000 | 631,000 |
| Noninterest income | 13,000 | 23,000 | 35,000 | 47,000 |
| Noninterest expense | 131,000 | 266,000 | 394,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 71,000 | 117,000 | 142,000 |
| Income tax | 7,000 | 14,000 | 24,000 | 29,000 |
| Net income | 29,000 | 57,000 | 93,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,904,000 | 2,966,000 | 2,969,000 | 2,988,000 |
| Total capital | 3,035,000 | 3,113,000 | 3,115,000 | 3,138,000 |
| Risk-weighted assets | 10,418,000 | 11,742,000 | 11,681,000 | 11,947,000 |