Call reports 2025
FREDERICK COMMUNITY BANK, THE — 2025
What FREDERICK COMMUNITY BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 193,956,000 | 186,876,000 | 187,435,000 | 195,909,000 |
| Total loans | 83,927,000 | 88,294,000 | 91,151,000 | 100,376,000 |
| Allowance for loan losses | 883,000 | 984,000 | 984,000 | 982,000 |
| Securities available for sale | 70,468,000 | 71,537,000 | 68,455,000 | 64,125,000 |
| Securities held to maturity | 4,183,000 | 4,951,000 | 6,082,000 | 6,456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,783,000 | 166,292,000 | 166,258,000 | 174,681,000 |
| Interest-bearing deposits | 124,612,000 | 121,354,000 | 123,654,000 | 130,015,000 |
| Noninterest-bearing deposits | 49,171,000 | 44,938,000 | 42,604,000 | 44,666,000 |
| Equity capital | 19,639,000 | 19,956,000 | 20,438,000 | 20,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,390,000 | 4,807,000 | 7,191,000 | 9,705,000 |
| Interest expense | 463,000 | 917,000 | 1,373,000 | 1,831,000 |
| Net interest income | 1,927,000 | 3,890,000 | 5,818,000 | 7,874,000 |
| Noninterest income | 184,000 | 407,000 | 601,000 | 799,000 |
| Noninterest expense | 1,012,000 | 2,127,000 | 3,179,000 | 4,495,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,115,000 | 2,086,000 | 3,041,000 | 3,979,000 |
| Income tax | 0 | 5,000 | 11,000 | 17,000 |
| Net income | 1,115,000 | 2,081,000 | 3,030,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,522,000 | 19,737,000 | 19,937,000 | 20,019,000 |
| Total capital | 20,405,000 | 20,721,000 | 20,921,000 | 21,001,000 |
| Risk-weighted assets | 97,609,000 | 104,343,000 | 105,835,000 | 113,678,000 |