Call reports 2004
PARTNERS BANK — 2004
What PARTNERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,438,000 | 63,035,000 | 62,023,000 | 63,573,000 |
| Total loans | 41,554,000 | 42,117,000 | 41,136,000 | 40,578,000 |
| Allowance for loan losses | 849,000 | 875,000 | 944,000 | 915,000 |
| Securities available for sale | 16,691,000 | 16,375,000 | 16,343,000 | 15,156,000 |
| Securities held to maturity | 186,000 | 153,000 | 153,000 | 152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,258,000 | 53,257,000 | 51,872,000 | 53,097,000 |
| Interest-bearing deposits | 45,993,000 | 44,703,000 | 44,008,000 | 44,140,000 |
| Noninterest-bearing deposits | 8,265,000 | 8,554,000 | 7,864,000 | 8,957,000 |
| Equity capital | 6,587,000 | 6,366,000 | 6,614,000 | 6,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 868,000 | 1,740,000 | 2,556,000 | 3,363,000 |
| Interest expense | 260,000 | 507,000 | 757,000 | 1,006,000 |
| Net interest income | 608,000 | 1,233,000 | 1,799,000 | 2,357,000 |
| Noninterest income | 99,000 | 208,000 | 335,000 | 465,000 |
| Noninterest expense | 531,000 | 1,085,000 | 1,620,000 | 2,130,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 176,000 | 356,000 | 514,000 | 692,000 |
| Income tax | 52,000 | 98,000 | 149,000 | 196,000 |
| Net income | 124,000 | 258,000 | 365,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,075,000 | 6,188,000 | 6,295,000 | 6,404,000 |
| Total capital | 6,606,000 | 6,710,000 | 6,829,000 | 6,944,000 |
| Risk-weighted assets | 42,155,000 | 41,563,000 | 41,555,000 | 42,862,000 |