Call reports 2022
FREDERICK COMMUNITY BANK, THE — 2022
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 187,660,000 | 181,916,000 | 176,599,000 | 185,063,000 |
| Total loans | 68,108,000 | 76,154,000 | 81,880,000 | 78,813,000 |
| Allowance for loan losses | 711,000 | 710,000 | 736,000 | 735,000 |
| Securities available for sale | 41,452,000 | 52,287,000 | 61,133,000 | 72,147,000 |
| Securities held to maturity | 2,000,000 | 2,997,000 | 3,272,000 | 3,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,458,000 | 167,138,000 | 162,851,000 | 170,599,000 |
| Interest-bearing deposits | 124,679,000 | 120,318,000 | 117,970,000 | 125,068,000 |
| Noninterest-bearing deposits | 47,779,000 | 46,820,000 | 44,881,000 | 45,532,000 |
| Equity capital | 14,851,000 | 14,311,000 | 13,233,000 | 14,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 2,115,000 | 3,610,000 | 5,385,000 |
| Interest expense | 73,000 | 143,000 | 228,000 | 363,000 |
| Net interest income | 907,000 | 1,972,000 | 3,382,000 | 5,022,000 |
| Noninterest income | 172,000 | 388,000 | 578,000 | 762,000 |
| Noninterest expense | 833,000 | 1,719,000 | 2,603,000 | 3,499,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 246,000 | 558,000 | 1,209,000 | 2,064,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 243,000 | 555,000 | 1,206,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,812,000 | 15,974,000 | 16,275,000 | 16,755,000 |
| Total capital | 16,523,000 | 16,684,000 | 17,011,000 | 17,490,000 |
| Risk-weighted assets | 84,258,000 | 93,771,000 | 98,271,000 | 98,264,000 |