Call reports 2013
FREDERICK COMMUNITY BANK, THE — 2013
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,321,000 | 57,499,000 | 60,170,000 | 62,398,000 |
| Total loans | 21,308,000 | 22,679,000 | 25,596,000 | 26,516,000 |
| Allowance for loan losses | 208,000 | 209,000 | 209,000 | 209,000 |
| Securities available for sale | 6,292,000 | 6,218,000 | 8,971,000 | 10,412,000 |
| Securities held to maturity | 6,316,000 | 7,310,000 | 8,451,000 | 8,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,180,000 | 52,414,000 | 55,054,000 | 57,303,000 |
| Interest-bearing deposits | 42,637,000 | 39,895,000 | 42,551,000 | 41,256,000 |
| Noninterest-bearing deposits | 15,543,000 | 12,519,000 | 12,503,000 | 16,047,000 |
| Equity capital | 5,044,000 | 4,968,000 | 4,993,000 | 4,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 672,000 | 1,046,000 | 1,451,000 |
| Interest expense | 45,000 | 86,000 | 127,000 | 167,000 |
| Net interest income | 283,000 | 586,000 | 919,000 | 1,284,000 |
| Noninterest income | 47,000 | 103,000 | 155,000 | 194,000 |
| Noninterest expense | 269,000 | 539,000 | 808,000 | 1,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,000 | 150,000 | 266,000 | 358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 61,000 | 150,000 | 266,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,853,000 | 4,822,000 | 4,858,000 | 4,840,000 |
| Total capital | 5,061,000 | 5,031,000 | 5,067,000 | 5,049,000 |
| Risk-weighted assets | 26,228,000 | 27,886,000 | 30,776,000 | 31,751,000 |