Call reports 2008
FREDERICK COMMUNITY BANK, THE — 2008
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 44,309,000 | 45,336,000 | 47,622,000 | 46,866,000 |
| Total loans | 23,374,000 | 26,278,000 | 29,556,000 | 27,375,000 |
| Allowance for loan losses | 340,000 | 340,000 | 340,000 | 340,000 |
| Securities available for sale | 9,116,000 | 13,178,000 | 14,325,000 | 14,200,000 |
| Securities held to maturity | 1,373,000 | 1,373,000 | 1,373,000 | 1,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,083,000 | 37,712,000 | 40,579,000 | 41,673,000 |
| Interest-bearing deposits | 32,596,000 | 32,356,000 | 34,713,000 | 33,258,000 |
| Noninterest-bearing deposits | 6,488,000 | 5,356,000 | 5,866,000 | 8,415,000 |
| Equity capital | 5,061,000 | 4,858,000 | 5,091,000 | 4,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,194,000 | 1,821,000 | 2,438,000 |
| Interest expense | 241,000 | 452,000 | 652,000 | 834,000 |
| Net interest income | 372,000 | 742,000 | 1,169,000 | 1,604,000 |
| Noninterest income | 54,000 | 109,000 | 166,000 | 220,000 |
| Noninterest expense | 245,000 | 500,000 | 759,000 | 1,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 356,000 | 581,000 | 748,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 356,000 | 581,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,917,000 | 4,913,000 | 4,963,000 | 4,754,000 |
| Total capital | 5,257,000 | 5,253,000 | 5,303,000 | 5,094,000 |
| Risk-weighted assets | 29,069,000 | 32,325,000 | 34,887,000 | 33,211,000 |