Call reports 2009
FREDERICK COMMUNITY BANK, THE — 2009
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,330,000 | 45,792,000 | 48,530,000 | 54,281,000 |
| Total loans | 23,656,000 | 24,180,000 | 25,910,000 | 26,992,000 |
| Allowance for loan losses | 339,000 | 339,000 | 339,000 | 379,000 |
| Securities available for sale | 10,617,000 | 9,986,000 | 12,106,000 | 12,116,000 |
| Securities held to maturity | 1,078,000 | 928,000 | 929,000 | 929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,203,000 | 39,691,000 | 42,331,000 | 48,127,000 |
| Interest-bearing deposits | 33,592,000 | 33,068,000 | 35,545,000 | 37,950,000 |
| Noninterest-bearing deposits | 6,611,000 | 6,623,000 | 6,787,000 | 10,177,000 |
| Equity capital | 4,944,000 | 4,917,000 | 5,007,000 | 4,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,037,000 | 1,575,000 | 2,124,000 |
| Interest expense | 161,000 | 307,000 | 448,000 | 585,000 |
| Net interest income | 358,000 | 730,000 | 1,127,000 | 1,539,000 |
| Noninterest income | 53,000 | 119,000 | 175,000 | 218,000 |
| Noninterest expense | 256,000 | 546,000 | 830,000 | 1,157,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 155,000 | 303,000 | 472,000 | 561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 155,000 | 303,000 | 472,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,749,000 | 4,747,000 | 4,816,000 | 4,795,000 |
| Total capital | 5,088,000 | 5,086,000 | 5,155,000 | 5,174,000 |
| Risk-weighted assets | 37,151,000 | 29,671,000 | 31,975,000 | 34,041,000 |