Call reports 2014
FREDERICK COMMUNITY BANK, THE — 2014
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,978,000 | 62,048,000 | 60,405,000 | 61,030,000 |
| Total loans | 22,935,000 | 24,963,000 | 27,590,000 | 29,579,000 |
| Allowance for loan losses | 208,000 | 218,000 | 229,000 | 241,000 |
| Securities available for sale | 10,889,000 | 10,857,000 | 13,221,000 | 13,272,000 |
| Securities held to maturity | 9,341,000 | 9,334,000 | 8,027,000 | 6,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,826,000 | 56,519,000 | 55,074,000 | 55,692,000 |
| Interest-bearing deposits | 42,517,000 | 43,131,000 | 42,907,000 | 41,765,000 |
| Noninterest-bearing deposits | 15,309,000 | 13,388,000 | 12,167,000 | 13,927,000 |
| Equity capital | 5,052,000 | 5,117,000 | 5,115,000 | 5,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 761,000 | 1,172,000 | 1,596,000 |
| Interest expense | 34,000 | 71,000 | 106,000 | 141,000 |
| Net interest income | 337,000 | 690,000 | 1,066,000 | 1,455,000 |
| Noninterest income | 43,000 | 105,000 | 157,000 | 236,000 |
| Noninterest expense | 291,000 | 562,000 | 839,000 | 1,146,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 32,000 |
| Pretax income | 94,000 | 228,000 | 369,000 | 525,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 228,000 | 369,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,859,000 | 4,883,000 | 4,904,000 | 4,956,000 |
| Total capital | 5,067,000 | 5,101,000 | 5,133,000 | 5,197,000 |
| Risk-weighted assets | 28,548,000 | 30,041,000 | 32,463,000 | 34,215,000 |