Call reports 2025
FIRST NATIONAL BANK OF FREDERICK, THE — 2025
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 30,915,000 | 28,490,000 | 25,964,000 | 26,188,000 |
| Total loans | 4,777,000 | 5,437,000 | 5,603,000 | 7,940,000 |
| Allowance for loan losses | 165,000 | 165,000 | 165,000 | 165,000 |
| Securities available for sale | 12,853,000 | 12,853,000 | 12,811,000 | 12,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,786,000 | 25,342,000 | 22,567,000 | 22,580,000 |
| Interest-bearing deposits | 20,859,000 | 19,336,000 | 17,733,000 | 17,736,000 |
| Noninterest-bearing deposits | 6,927,000 | 6,006,000 | 4,834,000 | 4,844,000 |
| Equity capital | 2,937,000 | 2,980,000 | 3,179,000 | 3,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 514,000 | 763,000 | 1,002,000 |
| Interest expense | 95,000 | 195,000 | 300,000 | 392,000 |
| Net interest income | 152,000 | 319,000 | 463,000 | 610,000 |
| Noninterest income | 13,000 | 29,000 | 42,000 | 55,000 |
| Noninterest expense | 138,000 | 281,000 | 409,000 | 548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 67,000 | 96,000 | 117,000 |
| Income tax | 5,000 | 14,000 | 16,000 | 22,000 |
| Net income | 22,000 | 53,000 | 80,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,549,000 | 3,579,000 | 3,607,000 | 3,622,000 |