Call reports 2001
FREDERICK COMMUNITY BANK, THE — 2001
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 44,187,000 | 44,420,000 | 45,219,000 | 49,507,000 |
| Total loans | 20,843,000 | 21,846,000 | 21,973,000 | 20,116,000 |
| Allowance for loan losses | 334,000 | 334,000 | 334,000 | 334,000 |
| Securities available for sale | 11,166,000 | 8,817,000 | 9,982,000 | 13,727,000 |
| Securities held to maturity | 6,906,000 | 7,894,000 | 8,302,000 | 8,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,931,000 | 37,128,000 | 37,916,000 | 40,738,000 |
| Interest-bearing deposits | 33,928,000 | 34,108,000 | 34,492,000 | 35,069,000 |
| Noninterest-bearing deposits | 3,003,000 | 3,020,000 | 3,424,000 | 5,669,000 |
| Equity capital | 4,793,000 | 4,827,000 | 5,031,000 | 4,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,462,000 | 2,189,000 | 2,889,000 |
| Interest expense | 396,000 | 805,000 | 1,194,000 | 1,539,000 |
| Net interest income | 329,000 | 657,000 | 995,000 | 1,350,000 |
| Noninterest income | 30,000 | 55,000 | 78,000 | 102,000 |
| Noninterest expense | 200,000 | 402,000 | 612,000 | 843,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 310,000 | 464,000 | 613,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 159,000 | 310,000 | 464,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,701,000 | 4,742,000 | 4,786,000 | 4,814,000 |
| Total capital | 5,016,000 | 5,060,000 | 5,110,000 | 5,129,000 |
| Risk-weighted assets | 25,020,000 | 25,388,000 | 25,881,000 | 25,214,000 |