Call reports 2003
PATAPSCO BANK, THE — 2003
What PATAPSCO BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 159,361,000 | 157,397,000 | 165,533,000 | 165,394,000 |
| Total loans | 113,902,000 | 114,391,000 | 110,361,000 | 115,525,000 |
| Allowance for loan losses | 1,047,000 | 1,139,000 | 1,158,000 | 1,115,000 |
| Securities available for sale | 26,537,000 | 24,345,000 | 34,544,000 | 31,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,881,000 | 120,869,000 | 119,594,000 | 119,681,000 |
| Interest-bearing deposits | 112,451,000 | 112,949,000 | 111,911,000 | 110,908,000 |
| Noninterest-bearing deposits | 8,430,000 | 7,920,000 | 7,683,000 | 8,773,000 |
| Equity capital | 15,036,000 | 15,018,000 | 15,109,000 | 15,426,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,367,000 | 7,965,000 | 10,428,000 |
| Interest expense | 978,000 | 1,922,000 | 2,881,000 | 3,798,000 |
| Net interest income | 1,660,000 | 3,445,000 | 5,084,000 | 6,630,000 |
| Noninterest income | 70,000 | 153,000 | 246,000 | 336,000 |
| Noninterest expense | 1,167,000 | 2,343,000 | 3,461,000 | 4,543,000 |
| Provision for loan losses | 135,000 | 291,000 | 333,000 | 333,000 |
| Pretax income | 461,000 | 1,017,000 | 1,589,000 | 2,143,000 |
| Income tax | 169,000 | 377,000 | 591,000 | 795,000 |
| Net income | 292,000 | 640,000 | 998,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,383,000 | 12,534,000 | 12,678,000 | 13,057,000 |
| Total capital | 13,430,000 | 13,673,000 | 13,836,000 | 14,172,000 |
| Risk-weighted assets | 96,778,000 | 98,637,000 | 99,046,000 | 100,491,000 |