Call reports 2006
FREDERICK COMMUNITY BANK, THE — 2006
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,626,000 | 43,396,000 | 42,820,000 | 43,342,000 |
| Total loans | 22,193,000 | 23,677,000 | 27,896,000 | 27,396,000 |
| Allowance for loan losses | 333,000 | 334,000 | 334,000 | 338,000 |
| Securities available for sale | 15,718,000 | 15,603,000 | 10,758,000 | 11,592,000 |
| Securities held to maturity | 1,372,000 | 1,372,000 | 1,372,000 | 1,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,733,000 | 36,522,000 | 36,523,000 | 37,670,000 |
| Interest-bearing deposits | 32,254,000 | 30,881,000 | 31,035,000 | 30,912,000 |
| Noninterest-bearing deposits | 6,479,000 | 5,641,000 | 5,488,000 | 6,758,000 |
| Equity capital | 4,710,000 | 4,626,000 | 4,781,000 | 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 | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,141,000 | 1,771,000 | 2,408,000 |
| Interest expense | 191,000 | 394,000 | 641,000 | 869,000 |
| Net interest income | 367,000 | 747,000 | 1,130,000 | 1,539,000 |
| Noninterest income | 45,000 | 93,000 | 139,000 | 185,000 |
| Noninterest expense | 237,000 | 474,000 | 712,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 175,000 | 366,000 | 528,000 | 703,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 175,000 | 366,000 | 528,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,873,000 | 4,904,000 | 4,906,000 | 4,906,000 |
| Total capital | 5,193,000 | 5,236,000 | 5,240,000 | 5,244,000 |
| Risk-weighted assets | 25,617,000 | 26,535,000 | 32,294,000 | 32,673,000 |