Call reports 2004
FREDERICK COMMUNITY BANK, THE — 2004
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,371,000 | 44,941,000 | 45,266,000 | 46,745,000 |
| Total loans | 22,061,000 | 24,106,000 | 25,148,000 | 25,095,000 |
| Allowance for loan losses | 329,000 | 329,000 | 329,000 | 332,000 |
| Securities available for sale | 17,547,000 | 14,853,000 | 13,962,000 | 13,892,000 |
| Securities held to maturity | 3,193,000 | 3,178,000 | 3,192,000 | 4,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,437,000 | 37,686,000 | 37,925,000 | 39,523,000 |
| Interest-bearing deposits | 33,144,000 | 32,689,000 | 33,131,000 | 33,112,000 |
| Noninterest-bearing deposits | 6,293,000 | 4,997,000 | 4,794,000 | 6,411,000 |
| Equity capital | 5,133,000 | 4,800,000 | 4,927,000 | 4,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 963,000 | 1,457,000 | 1,946,000 |
| Interest expense | 154,000 | 306,000 | 455,000 | 609,000 |
| Net interest income | 321,000 | 657,000 | 1,002,000 | 1,337,000 |
| Noninterest income | 42,000 | 78,000 | 120,000 | 159,000 |
| Noninterest expense | 222,000 | 448,000 | 676,000 | 934,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 288,000 | 447,000 | 563,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 141,000 | 288,000 | 447,000 | 556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,880,000 | 4,877,000 | 4,896,000 | 4,845,000 |
| Total capital | 5,182,000 | 5,205,000 | 5,225,000 | 5,177,000 |
| Risk-weighted assets | 24,104,000 | 26,264,000 | 27,309,000 | 28,288,000 |