Call reports 2004
PATAPSCO BANK, THE — 2004
What PATAPSCO BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 163,599,000 | 209,788,000 | 203,371,000 | 202,741,000 |
| Total loans | 115,476,000 | 152,384,000 | 152,786,000 | 155,315,000 |
| Allowance for loan losses | 970,000 | 936,000 | 937,000 | 932,000 |
| Securities available for sale | 23,295,000 | 29,172,000 | 27,843,000 | 25,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,691,000 | 170,050,000 | 164,314,000 | 163,870,000 |
| Interest-bearing deposits | 111,361,000 | 157,697,000 | 153,405,000 | 152,092,000 |
| Noninterest-bearing deposits | 8,330,000 | 12,353,000 | 10,909,000 | 11,778,000 |
| Equity capital | 15,905,000 | 17,648,000 | 18,327,000 | 18,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,519,000 | 5,476,000 | 8,457,000 | 11,465,000 |
| Interest expense | 867,000 | 1,833,000 | 2,750,000 | 3,669,000 |
| Net interest income | 1,652,000 | 3,643,000 | 5,707,000 | 7,796,000 |
| Noninterest income | 70,000 | 201,000 | 314,000 | 451,000 |
| Noninterest expense | 1,241,000 | 2,708,000 | 4,300,000 | 5,883,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 85,000 |
| Pretax income | 580,000 | 1,235,000 | 1,785,000 | 2,378,000 |
| Income tax | 213,000 | 451,000 | 649,000 | 864,000 |
| Net income | 367,000 | 784,000 | 1,136,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,524,000 | 14,171,000 | 14,788,000 | 14,946,000 |
| Total capital | 14,494,000 | 15,107,000 | 15,725,000 | 15,878,000 |
| Risk-weighted assets | 102,069,000 | 125,331,000 | 127,846,000 | 130,998,000 |