Call reports 2016
FREDERICK COMMUNITY BANK, THE — 2016
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,645,000 | 59,299,000 | 61,618,000 | 62,812,000 |
| Total loans | 27,596,000 | 26,657,000 | 29,484,000 | 27,980,000 |
| Allowance for loan losses | 261,000 | 261,000 | 256,000 | 266,000 |
| Securities available for sale | 14,465,000 | 14,685,000 | 15,673,000 | 17,061,000 |
| Securities held to maturity | 6,738,000 | 6,859,000 | 5,813,000 | 5,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,104,000 | 53,659,000 | 55,952,000 | 57,352,000 |
| Interest-bearing deposits | 40,760,000 | 41,120,000 | 41,748,000 | 42,083,000 |
| Noninterest-bearing deposits | 14,344,000 | 12,539,000 | 14,204,000 | 15,269,000 |
| Equity capital | 5,455,000 | 5,539,000 | 5,544,000 | 5,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 851,000 | 1,281,000 | 1,719,000 |
| Interest expense | 34,000 | 69,000 | 104,000 | 139,000 |
| Net interest income | 395,000 | 782,000 | 1,177,000 | 1,580,000 |
| Noninterest income | 47,000 | 96,000 | 161,000 | 209,000 |
| Noninterest expense | 291,000 | 608,000 | 914,000 | 1,226,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 20,000 |
| Pretax income | 141,000 | 260,000 | 414,000 | 543,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 260,000 | 414,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,136,000 | 5,144,000 | 5,179,000 | 5,267,000 |
| Total capital | 5,397,000 | 5,405,000 | 5,435,000 | 5,533,000 |
| Risk-weighted assets | 33,307,000 | 33,045,000 | 35,417,000 | 35,221,000 |