Call reports 2021
FREDERICK COMMUNITY BANK, THE — 2021
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 166,435,000 | 163,580,000 | 171,134,000 | 181,053,000 |
| Total loans | 63,752,000 | 66,773,000 | 68,341,000 | 71,658,000 |
| Allowance for loan losses | 716,000 | 716,000 | 714,000 | 711,000 |
| Securities available for sale | 33,398,000 | 32,363,000 | 33,716,000 | 31,483,000 |
| Securities held to maturity | 2,400,000 | 2,396,000 | 2,319,000 | 2,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,924,000 | 146,765,000 | 154,278,000 | 164,396,000 |
| Interest-bearing deposits | 107,593,000 | 107,605,000 | 112,000,000 | 119,828,000 |
| Noninterest-bearing deposits | 42,331,000 | 39,160,000 | 42,278,000 | 44,568,000 |
| Equity capital | 16,199,000 | 16,398,000 | 16,392,000 | 16,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,957,000 | 3,204,000 | 4,429,000 |
| Interest expense | 89,000 | 168,000 | 244,000 | 319,000 |
| Net interest income | 885,000 | 1,789,000 | 2,960,000 | 4,110,000 |
| Noninterest income | 473,000 | 677,000 | 951,000 | 1,153,000 |
| Noninterest expense | 828,000 | 1,665,000 | 2,420,000 | 3,347,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 530,000 | 801,000 | 1,491,000 | 1,871,000 |
| Income tax | 14,000 | 19,000 | 24,000 | 29,000 |
| Net income | 516,000 | 782,000 | 1,467,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,343,000 | 15,609,000 | 15,794,000 | 15,819,000 |
| Total capital | — | — | — | 16,530,000 |
| Risk-weighted assets | — | — | — | 86,865,000 |