- The report contains detailed information about Frederick County Bancorp Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Frederick County Bancorp Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Frederick County Bancorp Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Frederick County Bancorp Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Frederick County Bancorp Inc. business.
About Frederick County Bancorp Inc.
Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank, which provides commercial banking services to corporations, partnerships, small and medium-sized businesses, and sole proprietorships, as well as to non-profit organizations and associations and investors in Maryland.
The company's primary service area is Frederick County, Maryland, with a secondary market area in the surrounding counties of Carroll, Howard, Montgomery, and Washington. As of December 31, 2009, it operated out of its main office in Frederick, Maryland; two branch offices in Frederick, Maryland; and a branch office in Walkersville, Maryland.
The companys commercial loan portfolio consists of term loans, lines of credit and owner occupied commercial real estate loans provided to primarily locally based borrowers.
The company makes real estate construction and land development, real estate mortgage, commercial and industrial, and consumer loans. The real estate mortgage loans are generally secured by the property. The commercial and industrial loans consist of secured and unsecured loans. The consumer loan category consists of secured and unsecured loans. The collateral for secured consumer loans may be marketable securities, automobiles, recreational vehicles, or deposits in the company.
The company offers commercial loans for business purposes to business owners and investors for plant and equipment, personal lines of credit, working capital, real estate renovation, and other sound business purposes. It offers commercial real estate loans on income producing properties with an emphasis on adequate debt service coverage and liquidity. It also offers SBA guaranteed loans; equity loans on real estate, home improvement loans, and overdraft checking privileges against preauthorized lines of credit; and residential mortgage loans.
The company also offers cash management services, including sweep accounts, repurchase agreements, account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository; merchant credit card services for the deposit and immediate credit of sales drafts from retail merchants and professionals, such as doctors and attorneys; commercial depository services, including interest bearing sweep accounts; business checking accounts, and payroll service through outside payroll processors; other commercial services based on the individual needs of the customer, including direct data services, reconciliation of accounts, night depository, safe deposit boxes, and business services; on-line data communication with its customers; and ATM services. It also provides courier services for deposits and other banking services.
As of December 31, 2009, the companys investment portfolio included securities of U.S. treasury and other U.S. government agencies and corporations; states and political subdivisions; and mortgage-backed debt securities.
The company's retail depository services include personal checking accounts, transaction accounts, NOW accounts, time and savings accounts, money market savings accounts, certificates of deposit, and IRA accounts.
Frederick County Bancorp, Inc. was incorporated in 2000.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
1. FREDERICK COUNTY BANCORP INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. FREDERICK COUNTY BANCORP INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. FREDERICK COUNTY BANCORP INC. SWOT ANALYSIS
4. FREDERICK COUNTY BANCORP INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. FREDERICK COUNTY BANCORP INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Frederick County Bancorp Inc. Direct Competitors
5.2. Comparison of Frederick County Bancorp Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Frederick County Bancorp Inc. and Direct Competitors Stock Charts
5.4. Frederick County Bancorp Inc. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. Frederick County Bancorp Inc. Industry Position Analysis
6. FREDERICK COUNTY BANCORP INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. FREDERICK COUNTY BANCORP INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. FREDERICK COUNTY BANCORP INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. FREDERICK COUNTY BANCORP INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. FREDERICK COUNTY BANCORP INC. PORTER FIVE FORCES ANALYSIS2
12. FREDERICK COUNTY BANCORP INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Frederick County Bancorp Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Frederick County Bancorp Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Frederick County Bancorp Inc. Major Shareholders
Frederick County Bancorp Inc. History
Frederick County Bancorp Inc. Products
Revenues by Segment
Revenues by Region
Frederick County Bancorp Inc. Offices and Representations
Frederick County Bancorp Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Frederick County Bancorp Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Frederick County Bancorp Inc. Capital Market Snapshot
Frederick County Bancorp Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
Frederick County Bancorp Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Frederick County Bancorp Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Frederick County Bancorp Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Frederick County Bancorp Inc. 1-year Stock Charts
Frederick County Bancorp Inc. 5-year Stock Charts
Frederick County Bancorp Inc. vs. Main Indexes 1-year Stock Chart
Frederick County Bancorp Inc. vs. Direct Competitors 1-year Stock Charts
Frederick County Bancorp Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?