Call reports 2020
FREDERICK COMMUNITY BANK, THE — 2020
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 142,896,000 | 148,432,000 | 157,545,000 | 160,832,000 |
| Total loans | 63,975,000 | 69,487,000 | 73,714,000 | 68,346,000 |
| Allowance for loan losses | 665,000 | 690,000 | 691,000 | 716,000 |
| Securities available for sale | 47,377,000 | 47,371,000 | 44,436,000 | 42,109,000 |
| Securities held to maturity | 2,872,000 | 2,469,000 | 2,401,000 | 2,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,463,000 | 131,536,000 | 140,547,000 | 143,981,000 |
| Interest-bearing deposits | 95,461,000 | 97,192,000 | 105,164,000 | 104,794,000 |
| Noninterest-bearing deposits | 31,002,000 | 34,344,000 | 35,383,000 | 39,187,000 |
| Equity capital | 16,122,000 | 16,507,000 | 16,561,000 | 16,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,322,000 | 3,453,000 | 4,630,000 |
| Interest expense | 149,000 | 271,000 | 381,000 | 480,000 |
| Net interest income | 1,059,000 | 2,051,000 | 3,072,000 | 4,150,000 |
| Noninterest income | 268,000 | 698,000 | 1,163,000 | 1,492,000 |
| Noninterest expense | 765,000 | 1,612,000 | 2,442,000 | 3,427,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 55,000 |
| Pretax income | 562,000 | 1,164,000 | 1,820,000 | 2,217,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 11,000 |
| Net income | 560,000 | 1,159,000 | 1,812,000 | 2,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,756,000 | 14,981,000 | 15,158,000 | 15,177,000 |