Call reports 2005
PATAPSCO BANK, THE — 2005
What PATAPSCO BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 204,096,000 | 204,251,000 | 206,966,000 | 220,068,000 |
| Total loans | 157,336,000 | 162,002,000 | 166,582,000 | 181,075,000 |
| Allowance for loan losses | 942,000 | 945,000 | 946,000 | 953,000 |
| Securities available for sale | 25,951,000 | 24,732,000 | 22,839,000 | 20,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,115,000 | 165,867,000 | 164,451,000 | 170,747,000 |
| Interest-bearing deposits | 153,269,000 | 152,817,000 | 151,314,000 | 153,761,000 |
| Noninterest-bearing deposits | 11,846,000 | 13,050,000 | 13,137,000 | 16,986,000 |
| Equity capital | 18,528,000 | 19,131,000 | 19,511,000 | 19,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,015,000 | 5,945,000 | 9,014,000 | 12,378,000 |
| Interest expense | 920,000 | 1,826,000 | 2,823,000 | 3,900,000 |
| Net interest income | 2,095,000 | 4,119,000 | 6,191,000 | 8,478,000 |
| Noninterest income | 134,000 | 298,000 | 517,000 | 676,000 |
| Noninterest expense | 1,710,000 | 3,208,000 | 4,951,000 | 6,758,000 |
| Provision for loan losses | 100,000 | 140,000 | 160,000 | 180,000 |
| Pretax income | 419,000 | 1,069,000 | 1,597,000 | 2,216,000 |
| Income tax | 153,000 | 383,000 | 580,000 | 814,000 |
| Net income | 266,000 | 686,000 | 1,017,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,208,000 | 15,788,000 | 16,149,000 | 16,424,000 |
| Total capital | 16,150,000 | 16,733,000 | 17,095,000 | 17,377,000 |
| Risk-weighted assets | 132,380,000 | 138,909,000 | 138,970,000 | 152,539,000 |