Call reports 2010
FREDERICK COMMUNITY BANK, THE — 2010
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 52,511,000 | 49,610,000 | 52,184,000 | 50,862,000 |
| Total loans | 20,914,000 | 22,275,000 | 23,795,000 | 25,602,000 |
| Allowance for loan losses | 379,000 | 365,000 | 363,000 | 363,000 |
| Securities available for sale | 13,007,000 | 11,372,000 | 11,480,000 | 11,940,000 |
| Securities held to maturity | 929,000 | 929,000 | 679,000 | 524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,441,000 | 43,496,000 | 45,948,000 | 44,830,000 |
| Interest-bearing deposits | 37,233,000 | 36,064,000 | 37,749,000 | 35,421,000 |
| Noninterest-bearing deposits | 9,208,000 | 7,432,000 | 8,199,000 | 9,409,000 |
| Equity capital | 4,932,000 | 4,970,000 | 5,080,000 | 4,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 940,000 | 1,399,000 | 1,865,000 |
| Interest expense | 128,000 | 247,000 | 361,000 | 466,000 |
| Net interest income | 345,000 | 693,000 | 1,038,000 | 1,399,000 |
| Noninterest income | 51,000 | 99,000 | 149,000 | 218,000 |
| Noninterest expense | 269,000 | 542,000 | 809,000 | 1,101,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 251,000 | 379,000 | 517,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 251,000 | 379,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,782,000 | 4,776,000 | 4,784,000 | 4,782,000 |
| Total capital | 5,131,000 | 5,113,000 | 5,134,000 | 5,145,000 |
| Risk-weighted assets | 27,881,000 | 26,965,000 | 28,007,000 | 29,897,000 |