Call reports 2005
FREDERICK COMMUNITY BANK, THE — 2005
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,234,000 | 45,198,000 | 43,302,000 | 45,110,000 |
| Total loans | 25,711,000 | 25,539,000 | 24,512,000 | 24,245,000 |
| Allowance for loan losses | 332,000 | 332,000 | 332,000 | 333,000 |
| Securities available for sale | 13,800,000 | 15,846,000 | 13,825,000 | 15,799,000 |
| Securities held to maturity | 3,393,000 | 1,372,000 | 1,372,000 | 1,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,713,000 | 37,479,000 | 38,242,000 | 40,068,000 |
| Interest-bearing deposits | 32,920,000 | 32,366,000 | 32,598,000 | 32,823,000 |
| Noninterest-bearing deposits | 5,793,000 | 5,113,000 | 5,644,000 | 7,245,000 |
| Equity capital | 4,715,000 | 4,767,000 | 4,748,000 | 4,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 991,000 | 1,512,000 | 2,057,000 |
| Interest expense | 151,000 | 321,000 | 497,000 | 682,000 |
| Net interest income | 333,000 | 670,000 | 1,015,000 | 1,375,000 |
| Noninterest income | 40,000 | 80,000 | 122,000 | 162,000 |
| Noninterest expense | 225,000 | 457,000 | 693,000 | 934,000 |
| Provision for loan losses | 0 | -20,000 | -20,000 | -20,000 |
| Pretax income | 148,000 | 313,000 | 464,000 | 623,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 148,000 | 313,000 | 464,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,843,000 | 4,858,000 | 4,859,000 | 4,858,000 |
| Total capital | 5,175,000 | 5,190,000 | 5,191,000 | 5,191,000 |
| Risk-weighted assets | 27,307,000 | 27,466,000 | 26,559,000 | 26,989,000 |