Call reports 2007
PATAPSCO BANK, THE — 2007
What PATAPSCO BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 254,456,000 | 255,155,000 | 257,071,000 | 261,449,000 |
| Total loans | 217,360,000 | 221,349,000 | 223,268,000 | 227,346,000 |
| Allowance for loan losses | 1,036,000 | 1,110,000 | 1,153,000 | 1,478,000 |
| Securities available for sale | 14,809,000 | 13,147,000 | 11,897,000 | 11,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,437,000 | 192,688,000 | 190,615,000 | 194,921,000 |
| Interest-bearing deposits | 177,910,000 | 178,388,000 | 179,144,000 | 182,497,000 |
| Noninterest-bearing deposits | 15,527,000 | 14,300,000 | 11,471,000 | 12,424,000 |
| Equity capital | 22,019,000 | 22,369,000 | 22,743,000 | 22,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,266,000 | 8,609,000 | 12,984,000 | 17,452,000 |
| Interest expense | 1,886,000 | 3,839,000 | 5,913,000 | 8,071,000 |
| Net interest income | 2,380,000 | 4,770,000 | 7,071,000 | 9,381,000 |
| Noninterest income | 161,000 | 352,000 | 523,000 | 687,000 |
| Noninterest expense | 2,065,000 | 3,871,000 | 5,668,000 | 7,404,000 |
| Provision for loan losses | 175,000 | 320,000 | 470,000 | 920,000 |
| Pretax income | 301,000 | 931,000 | 1,456,000 | 1,744,000 |
| Income tax | 106,000 | 355,000 | 646,000 | 812,000 |
| Net income | 195,000 | 576,000 | 810,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,656,000 | 18,981,000 | 19,275,000 | 19,350,000 |
| Total capital | 19,692,000 | 20,091,000 | 20,428,000 | 20,828,000 |
| Risk-weighted assets | 189,979,000 | 195,817,000 | 199,354,000 | 204,070,000 |