Call reports 2002
FREDERICK COMMUNITY BANK, THE — 2002
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,713,000 | 48,489,000 | 46,764,000 | 48,172,000 |
| Total loans | 21,113,000 | 22,345,000 | 23,057,000 | 21,747,000 |
| Allowance for loan losses | 339,000 | 339,000 | 339,000 | 340,000 |
| Securities available for sale | 16,961,000 | 17,293,000 | 13,373,000 | 16,209,000 |
| Securities held to maturity | 6,270,000 | 6,257,000 | 6,268,000 | 6,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,575,000 | 37,672,000 | 38,925,000 | 40,118,000 |
| Interest-bearing deposits | 34,409,000 | 33,968,000 | 34,725,000 | 34,095,000 |
| Noninterest-bearing deposits | 4,166,000 | 3,704,000 | 4,200,000 | 6,023,000 |
| Equity capital | 4,853,000 | 5,127,000 | 5,291,000 | 5,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,379,000 | 2,033,000 | 2,668,000 |
| Interest expense | 294,000 | 578,000 | 852,000 | 1,109,000 |
| Net interest income | 392,000 | 801,000 | 1,181,000 | 1,559,000 |
| Noninterest income | 26,000 | 51,000 | 79,000 | 109,000 |
| Noninterest expense | 200,000 | 410,000 | 640,000 | 905,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 219,000 | 443,000 | 675,000 | 817,000 |
| Income tax | 0 | 1,000 | 0 | 11,000 |
| Net income | 219,000 | 442,000 | 675,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,903,000 | 4,841,000 | 4,934,000 | 4,906,000 |
| Total capital | 5,213,000 | 5,166,000 | 5,260,000 | 5,220,000 |
| Risk-weighted assets | 24,778,000 | 26,019,000 | 26,041,000 | 25,094,000 |