Call reports 2007
FREDERICK COMMUNITY BANK, THE — 2007
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 42,562,000 | 43,074,000 | 43,987,000 | 44,876,000 |
| Total loans | 26,533,000 | 26,719,000 | 27,175,000 | 26,679,000 |
| Allowance for loan losses | 338,000 | 338,000 | 337,000 | 337,000 |
| Securities available for sale | 12,624,000 | 12,542,000 | 12,683,000 | 9,752,000 |
| Securities held to maturity | 1,373,000 | 1,373,000 | 1,373,000 | 1,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,455,000 | 36,684,000 | 38,580,000 | 39,687,000 |
| Interest-bearing deposits | 31,486,000 | 31,136,000 | 32,748,000 | 31,840,000 |
| Noninterest-bearing deposits | 5,969,000 | 5,548,000 | 5,832,000 | 7,847,000 |
| Equity capital | 4,874,000 | 4,814,000 | 4,987,000 | 4,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,289,000 | 1,961,000 | 2,635,000 |
| Interest expense | 231,000 | 491,000 | 753,000 | 1,008,000 |
| Net interest income | 406,000 | 798,000 | 1,208,000 | 1,627,000 |
| Noninterest income | 55,000 | 109,000 | 163,000 | 215,000 |
| Noninterest expense | 254,000 | 503,000 | 759,000 | 1,041,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 404,000 | 612,000 | 801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 404,000 | 612,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,938,000 | 4,960,000 | 4,993,000 | 4,907,000 |
| Total capital | 5,276,000 | 5,298,000 | 5,330,000 | 5,244,000 |
| Risk-weighted assets | 31,404,000 | 31,757,000 | 32,167,000 | 32,286,000 |