Call reports 2015
FREDERICK COMMUNITY BANK, THE — 2015
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 61,481,000 | 59,062,000 | 60,001,000 | 62,982,000 |
| Total loans | 26,594,000 | 27,476,000 | 29,454,000 | 30,329,000 |
| Allowance for loan losses | 241,000 | 241,000 | 251,000 | 251,000 |
| Securities available for sale | 13,745,000 | 14,895,000 | 14,878,000 | 14,318,000 |
| Securities held to maturity | 6,679,000 | 6,909,000 | 6,847,000 | 6,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,071,000 | 53,646,000 | 53,190,000 | 57,545,000 |
| Interest-bearing deposits | 42,265,000 | 41,878,000 | 41,257,000 | 42,296,000 |
| Noninterest-bearing deposits | 13,806,000 | 11,768,000 | 11,933,000 | 15,249,000 |
| Equity capital | 5,316,000 | 5,296,000 | 5,379,000 | 5,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 826,000 | 1,263,000 | 1,702,000 |
| Interest expense | 34,000 | 67,000 | 101,000 | 136,000 |
| Net interest income | 370,000 | 759,000 | 1,162,000 | 1,566,000 |
| Noninterest income | 68,000 | 114,000 | 173,000 | 219,000 |
| Noninterest expense | 277,000 | 562,000 | 854,000 | 1,161,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 161,000 | 311,000 | 471,000 | 614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 311,000 | 471,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,017,000 | 5,057,000 | 5,087,000 | 5,105,000 |
| Total capital | 5,258,000 | 5,298,000 | 5,338,000 | 5,356,000 |
| Risk-weighted assets | 31,091,000 | 32,781,000 | 34,606,000 | 35,445,000 |