Call reports 2006
PATAPSCO BANK, THE — 2006
What PATAPSCO BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 228,795,000 | 227,643,000 | 236,832,000 | 246,398,000 |
| Total loans | 191,185,000 | 191,589,000 | 203,887,000 | 214,036,000 |
| Allowance for loan losses | 951,000 | 1,000,000 | 1,007,000 | 1,001,000 |
| Securities available for sale | 20,136,000 | 16,589,000 | 16,457,000 | 15,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,963,000 | 171,005,000 | 176,699,000 | 185,626,000 |
| Interest-bearing deposits | 155,043,000 | 154,109,000 | 161,841,000 | 169,956,000 |
| Noninterest-bearing deposits | 16,920,000 | 16,896,000 | 14,858,000 | 15,670,000 |
| Equity capital | 20,009,000 | 20,422,000 | 20,991,000 | 21,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,527,000 | 7,282,000 | 11,157,000 | 15,290,000 |
| Interest expense | 1,234,000 | 2,623,000 | 4,175,000 | 5,962,000 |
| Net interest income | 2,293,000 | 4,659,000 | 6,982,000 | 9,328,000 |
| Noninterest income | 166,000 | 321,000 | 470,000 | 638,000 |
| Noninterest expense | 1,903,000 | 3,654,000 | 5,432,000 | 7,221,000 |
| Provision for loan losses | 0 | 25,000 | 65,000 | 135,000 |
| Pretax income | 558,000 | 1,303,000 | 1,957,000 | 2,612,000 |
| Income tax | 210,000 | 491,000 | 733,000 | 977,000 |
| Net income | 348,000 | 812,000 | 1,224,000 | 1,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,744,000 | 17,144,000 | 17,666,000 | 18,125,000 |
| Total capital | 17,695,000 | 18,144,000 | 18,673,000 | 19,126,000 |
| Risk-weighted assets | 161,992,000 | 161,301,000 | 173,669,000 | 184,185,000 |