Call reports 2003
PARTNERS BANK — 2003
What PARTNERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,344,000 | 68,727,000 | 67,017,000 | 65,618,000 |
| Total loans | 45,846,000 | 46,127,000 | 43,512,000 | 42,609,000 |
| Allowance for loan losses | 1,092,000 | 1,068,000 | 1,038,000 | 872,000 |
| Securities available for sale | 15,220,000 | 16,122,000 | 17,452,000 | 16,929,000 |
| Securities held to maturity | 262,000 | 224,000 | 200,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,681,000 | 58,558,000 | 57,208,000 | 55,859,000 |
| Interest-bearing deposits | 50,576,000 | 50,230,000 | 48,519,000 | 47,324,000 |
| Noninterest-bearing deposits | 8,105,000 | 8,328,000 | 8,689,000 | 8,535,000 |
| Equity capital | 6,130,000 | 6,368,000 | 6,194,000 | 6,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,011,000 | 2,944,000 | 3,884,000 |
| Interest expense | 359,000 | 701,000 | 1,024,000 | 1,321,000 |
| Net interest income | 655,000 | 1,310,000 | 1,920,000 | 2,563,000 |
| Noninterest income | 70,000 | 185,000 | 254,000 | 342,000 |
| Noninterest expense | 552,000 | 1,087,000 | 1,612,000 | 2,212,000 |
| Provision for loan losses | 120,000 | 180,000 | 260,000 | 350,000 |
| Pretax income | 53,000 | 228,000 | 302,000 | 343,000 |
| Income tax | 12,000 | 46,000 | 69,000 | 37,000 |
| Net income | 41,000 | 182,000 | 233,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,731,000 | 5,849,000 | 5,900,000 | 5,950,000 |
| Total capital | 6,312,000 | 6,431,000 | 6,458,000 | 6,492,000 |
| Risk-weighted assets | 46,080,000 | 46,197,000 | 44,161,000 | 43,031,000 |