Call reports 2003
FREDERICKTOWN BANK & TRUST COMPANY — 2003
What FREDERICKTOWN BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 276,273,000 | 285,513,000 | 321,691,000 |
| Total loans | 186,598,000 | 194,569,000 | 201,871,000 |
| Allowance for loan losses | 3,776,000 | 3,799,000 | 3,799,000 |
| Securities available for sale | 70,569,000 | 79,451,000 | 69,709,000 |
| Securities held to maturity | 650,000 | 300,000 | 200,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 229,018,000 | 232,562,000 | 242,721,000 |
| Interest-bearing deposits | 174,646,000 | 177,383,000 | 180,885,000 |
| Noninterest-bearing deposits | 54,372,000 | 55,179,000 | 61,837,000 |
| Equity capital | 34,915,000 | 35,169,000 | 26,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 3,710,000 | 7,507,000 | 11,285,000 |
| Interest expense | 793,000 | 1,569,000 | 2,632,000 |
| Net interest income | 2,917,000 | 5,938,000 | 8,653,000 |
| Noninterest income | 444,000 | 936,000 | 1,450,000 |
| Noninterest expense | 1,740,000 | 3,507,000 | 5,251,000 |
| Provision for loan losses | 26,000 | 51,000 | 51,000 |
| Pretax income | 1,595,000 | 3,316,000 | 4,801,000 |
| Income tax | 524,000 | 1,093,000 | 1,580,000 |
| Net income | 1,071,000 | 2,223,000 | 3,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 33,375,000 | 33,722,000 | 25,139,000 |
| Total capital | 35,865,000 | 36,309,000 | 40,512,000 |
| Risk-weighted assets | 197,907,000 | 205,721,000 | 223,283,000 |