Call reports 2023
FREDERICK COMMUNITY BANK, THE — 2023
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 194,178,000 | 186,364,000 | 176,239,000 | 189,303,000 |
| Total loans | 74,043,000 | 75,920,000 | 78,831,000 | 81,110,000 |
| Allowance for loan losses | 816,000 | 817,000 | 815,000 | 814,000 |
| Securities available for sale | 85,805,000 | 79,335,000 | 74,474,000 | 76,757,000 |
| Securities held to maturity | 3,622,000 | 3,618,000 | 3,919,000 | 3,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,595,000 | 170,734,000 | 160,168,000 | 171,593,000 |
| Interest-bearing deposits | 125,291,000 | 119,114,000 | 115,878,000 | 119,244,000 |
| Noninterest-bearing deposits | 53,304,000 | 51,620,000 | 44,290,000 | 52,349,000 |
| Equity capital | 15,258,000 | 15,254,000 | 15,580,000 | 17,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,991,000 | 6,043,000 | 8,277,000 |
| Interest expense | 171,000 | 428,000 | 736,000 | 1,089,000 |
| Net interest income | 1,788,000 | 3,563,000 | 5,307,000 | 7,188,000 |
| Noninterest income | 162,000 | 348,000 | 533,000 | 723,000 |
| Noninterest expense | 943,000 | 1,837,000 | 2,790,000 | 3,901,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 847,000 | 1,755,000 | 2,405,000 | 3,052,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 5,000 |
| Net income | 844,000 | 1,750,000 | 2,398,000 | 3,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,117,000 | 17,573,000 | 17,771,000 | 17,920,000 |
| Total capital | 17,933,000 | 18,390,000 | 18,586,000 | 18,734,000 |
| Risk-weighted assets | 94,264,000 | 95,527,000 | 95,321,000 | 98,082,000 |