Call reports 2008
PATAPSCO BANK, THE — 2008
What PATAPSCO BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 262,133,000 | 259,817,000 | 260,898,000 | 267,519,000 |
| Total loans | 221,355,000 | 227,972,000 | 233,068,000 | 233,764,000 |
| Allowance for loan losses | 1,625,000 | 1,833,000 | 1,836,000 | 2,900,000 |
| Securities available for sale | 9,210,000 | 9,601,000 | 8,157,000 | 8,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,271,000 | 198,314,000 | 191,920,000 | 200,103,000 |
| Interest-bearing deposits | 184,955,000 | 184,785,000 | 180,586,000 | 187,405,000 |
| Noninterest-bearing deposits | 12,316,000 | 13,529,000 | 11,334,000 | 12,698,000 |
| Equity capital | 23,228,000 | 22,815,000 | 22,840,000 | 25,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,290,000 | 8,436,000 | 12,597,000 | 16,742,000 |
| Interest expense | 2,086,000 | 4,009,000 | 5,771,000 | 7,524,000 |
| Net interest income | 2,204,000 | 4,427,000 | 6,826,000 | 9,218,000 |
| Noninterest income | 164,000 | 331,000 | 518,000 | 683,000 |
| Noninterest expense | 2,054,000 | 3,827,000 | 5,797,000 | 7,790,000 |
| Provision for loan losses | 300,000 | 1,320,000 | 1,570,000 | 2,880,000 |
| Pretax income | 14,000 | -389,000 | -23,000 | -769,000 |
| Income tax | -164,000 | -326,000 | -186,000 | -483,000 |
| Net income | 178,000 | -63,000 | 163,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,012,000 | 19,752,000 | 19,867,000 | 22,447,000 |
| Total capital | 21,637,000 | 21,585,000 | 21,703,000 | 25,124,000 |
| Risk-weighted assets | 200,331,000 | 207,415,000 | 212,404,000 | 213,916,000 |