Call reports 2011
FREDERICK COMMUNITY BANK, THE — 2011
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,921,000 | 52,039,000 | 51,790,000 | 53,161,000 |
| Total loans | 19,301,000 | 20,405,000 | 22,430,000 | 24,186,000 |
| Allowance for loan losses | 114,000 | 114,000 | 114,000 | 139,000 |
| Securities available for sale | 15,137,000 | 14,252,000 | 16,148,000 | 17,453,000 |
| Securities held to maturity | 125,000 | 317,000 | 317,000 | 539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,006,000 | 45,850,000 | 45,472,000 | 46,824,000 |
| Interest-bearing deposits | 36,851,000 | 36,999,000 | 37,270,000 | 36,898,000 |
| Noninterest-bearing deposits | 11,155,000 | 8,851,000 | 8,202,000 | 9,926,000 |
| Equity capital | 4,804,000 | 5,071,000 | 5,193,000 | 5,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 388,000 | 795,000 | 1,227,000 | 1,661,000 |
| Interest expense | 92,000 | 176,000 | 254,000 | 326,000 |
| Net interest income | 296,000 | 619,000 | 973,000 | 1,335,000 |
| Noninterest income | 50,000 | 97,000 | 148,000 | 233,000 |
| Noninterest expense | 275,000 | 550,000 | 804,000 | 1,104,000 |
| Provision for loan losses | 227,000 | 227,000 | 227,000 | 252,000 |
| Pretax income | -155,000 | 38,000 | 189,000 | 311,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -155,000 | 38,000 | 189,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,693,000 | 4,886,000 | 4,927,000 | 4,939,000 |
| Total capital | 4,807,000 | 5,000,000 | 5,041,000 | 5,078,000 |
| Risk-weighted assets | 24,566,000 | 25,414,000 | 27,047,000 | 28,640,000 |