Call reports 2012
PATAPSCO BANK, THE — 2012
What PATAPSCO BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 254,872,000 | 254,487,000 | 248,668,000 | 238,939,000 |
| Total loans | 181,774,000 | 177,336,000 | 171,615,000 | 165,853,000 |
| Allowance for loan losses | 3,918,000 | 3,741,000 | 3,674,000 | 3,573,000 |
| Securities available for sale | 39,752,000 | 41,124,000 | 41,739,000 | 34,000,000 |
| Securities held to maturity | 0 | 0 | 4,008,000 | 10,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,814,000 | 226,412,000 | 216,722,000 | 209,485,000 |
| Interest-bearing deposits | 216,364,000 | 213,747,000 | 205,406,000 | 198,004,000 |
| Noninterest-bearing deposits | 11,450,000 | 12,665,000 | 11,316,000 | 11,481,000 |
| Equity capital | 17,084,000 | 18,132,000 | 18,937,000 | 19,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,867,000 | 5,550,000 | 8,350,000 | 10,937,000 |
| Interest expense | 660,000 | 1,258,000 | 1,805,000 | 2,291,000 |
| Net interest income | 2,207,000 | 4,292,000 | 6,545,000 | 8,646,000 |
| Noninterest income | 199,000 | 460,000 | 585,000 | 755,000 |
| Noninterest expense | 1,851,000 | 3,749,000 | 5,536,000 | 7,510,000 |
| Provision for loan losses | 2,368,000 | 1,505,000 | 1,556,000 | 1,449,000 |
| Pretax income | -1,813,000 | -493,000 | 50,000 | 454,000 |
| Income tax | 0 | 172,000 | 172,000 | 172,000 |
| Net income | -1,813,000 | -665,000 | -122,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,963,000 | 18,124,000 | 18,681,000 | 19,097,000 |
| Total capital | 18,969,000 | 20,036,000 | 20,546,000 | 20,862,000 |
| Risk-weighted assets | 158,544,000 | 151,110,000 | 147,387,000 | 139,391,000 |