Call reports 2003
FREDERICK COMMUNITY BANK, THE — 2003
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,497,000 | 45,301,000 | 46,619,000 | 45,730,000 |
| Total loans | 20,169,000 | 20,188,000 | 21,214,000 | 20,829,000 |
| Allowance for loan losses | 340,000 | 340,000 | 340,000 | 329,000 |
| Securities available for sale | 18,144,000 | 18,150,000 | 15,006,000 | 14,474,000 |
| Securities held to maturity | 5,233,000 | 3,218,000 | 3,231,000 | 3,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,851,000 | 37,435,000 | 39,090,000 | 40,335,000 |
| Interest-bearing deposits | 33,176,000 | 33,025,000 | 34,189,000 | 33,740,000 |
| Noninterest-bearing deposits | 4,675,000 | 4,410,000 | 4,901,000 | 6,595,000 |
| Equity capital | 5,309,000 | 5,330,000 | 5,187,000 | 5,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,162,000 | 1,698,000 | 2,218,000 |
| Interest expense | 233,000 | 448,000 | 652,000 | 847,000 |
| Net interest income | 373,000 | 714,000 | 1,046,000 | 1,371,000 |
| Noninterest income | 31,000 | 58,000 | 86,000 | 112,000 |
| Noninterest expense | 213,000 | 431,000 | 656,000 | 954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 341,000 | 476,000 | 537,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 191,000 | 341,000 | 476,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 4,976,000 | 4,971,000 | 4,879,000 |
| Total capital | 5,255,000 | 5,262,000 | 5,272,000 | 5,183,000 |
| Risk-weighted assets | 23,063,000 | 22,852,000 | 24,066,000 | 24,326,000 |