Call reports 2009
PATAPSCO BANK, THE — 2009
What PATAPSCO BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 267,041,000 | 266,957,000 | 258,896,000 | 260,375,000 |
| Total loans | 229,642,000 | 218,950,000 | 220,411,000 | 214,777,000 |
| Allowance for loan losses | 3,635,000 | 3,023,000 | 3,220,000 | 3,333,000 |
| Securities available for sale | 11,478,000 | 16,084,000 | 16,073,000 | 17,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,914,000 | 209,757,000 | 213,672,000 | 215,210,000 |
| Interest-bearing deposits | 186,398,000 | 196,528,000 | 201,704,000 | 202,458,000 |
| Noninterest-bearing deposits | 13,516,000 | 13,229,000 | 11,968,000 | 12,752,000 |
| Equity capital | 25,280,000 | 21,592,000 | 21,888,000 | 21,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,802,000 | 7,455,000 | 11,224,000 | 14,773,000 |
| Interest expense | 1,638,000 | 3,220,000 | 4,683,000 | 5,946,000 |
| Net interest income | 2,164,000 | 4,235,000 | 6,541,000 | 8,827,000 |
| Noninterest income | 159,000 | 340,000 | 504,000 | 664,000 |
| Noninterest expense | 1,980,000 | 6,720,000 | 8,637,000 | 10,537,000 |
| Provision for loan losses | 890,000 | 4,341,000 | 4,735,000 | 5,133,000 |
| Pretax income | -547,000 | -6,486,000 | -6,327,000 | -6,179,000 |
| Income tax | -218,000 | -1,386,000 | -1,327,000 | -1,272,000 |
| Net income | -329,000 | -5,100,000 | -5,000,000 | -4,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,149,000 | 21,359,000 | 21,487,000 | 21,600,000 |
| Total capital | 24,747,000 | 23,933,000 | 24,039,000 | 24,129,000 |
| Risk-weighted assets | 208,187,000 | 206,703,000 | 203,485,000 | 201,523,000 |