Call reports 2012
FREDERICK COMMUNITY BANK, THE — 2012
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,374,000 | 61,089,000 | 57,384,000 | 63,952,000 |
| Total loans | 17,815,000 | 20,504,000 | 22,406,000 | 22,769,000 |
| Allowance for loan losses | 209,000 | 209,000 | 209,000 | 205,000 |
| Securities available for sale | 15,872,000 | 10,041,000 | 7,229,000 | 6,519,000 |
| Securities held to maturity | 1,639,000 | 3,498,000 | 3,595,000 | 5,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,877,000 | 54,776,000 | 51,040,000 | 58,821,000 |
| Interest-bearing deposits | 39,808,000 | 39,827,000 | 39,940,000 | 40,623,000 |
| Noninterest-bearing deposits | 10,069,000 | 14,949,000 | 11,100,000 | 18,198,000 |
| Equity capital | 5,395,000 | 5,203,000 | 5,211,000 | 4,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 719,000 | 1,097,000 | 1,465,000 |
| Interest expense | 68,000 | 133,000 | 195,000 | 252,000 |
| Net interest income | 298,000 | 586,000 | 902,000 | 1,213,000 |
| Noninterest income | 64,000 | 128,000 | 194,000 | 260,000 |
| Noninterest expense | 263,000 | 533,000 | 810,000 | 1,150,000 |
| Provision for loan losses | -240,000 | -240,000 | -240,000 | -240,000 |
| Pretax income | 339,000 | 421,000 | 526,000 | 563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 339,000 | 421,000 | 526,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,219,000 | 4,976,000 | 4,981,000 | 4,792,000 |
| Total capital | 5,428,000 | 5,185,000 | 5,190,000 | 4,997,000 |
| Risk-weighted assets | 22,304,000 | 24,639,000 | 26,854,000 | 27,739,000 |