Call reports 2005
PARTNERS BANK — 2005
What PARTNERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,618,000 | 60,724,000 | 62,062,000 | 63,648,000 |
| Total loans | 40,240,000 | 41,652,000 | 43,371,000 | 45,768,000 |
| Allowance for loan losses | 915,000 | 890,000 | 894,000 | 876,000 |
| Securities available for sale | 14,840,000 | 14,156,000 | 13,842,000 | 12,978,000 |
| Securities held to maturity | 151,000 | 151,000 | 151,000 | 151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,124,000 | 51,530,000 | 51,564,000 | 53,506,000 |
| Interest-bearing deposits | 42,693,000 | 42,636,000 | 42,479,000 | 43,903,000 |
| Noninterest-bearing deposits | 8,431,000 | 8,894,000 | 9,085,000 | 9,603,000 |
| Equity capital | 6,538,000 | 6,806,000 | 6,867,000 | 6,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,575,000 | 2,422,000 | 3,280,000 |
| Interest expense | 257,000 | 504,000 | 774,000 | 1,087,000 |
| Net interest income | 512,000 | 1,071,000 | 1,648,000 | 2,193,000 |
| Noninterest income | 103,000 | 267,000 | 428,000 | 555,000 |
| Noninterest expense | 520,000 | 984,000 | 1,510,000 | 2,006,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 353,000 | 565,000 | 741,000 |
| Income tax | 23,000 | 92,000 | 147,000 | 190,000 |
| Net income | 72,000 | 261,000 | 418,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,476,000 | 6,643,000 | 6,766,000 | 6,924,000 |
| Total capital | 7,029,000 | 7,216,000 | 7,362,000 | 7,545,000 |
| Risk-weighted assets | 43,864,000 | 45,453,000 | 47,716,000 | 49,393,000 |