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 | 117,202,000 | 130,457,000 | 137,411,000 | 140,935,000 |
| Total loans | 57,154,000 | 59,416,000 | 61,462,000 | 67,228,000 |
| Allowance for loan losses | 754,000 | 800,000 | 838,000 | 883,000 |
| Securities available for sale | 50,472,000 | 61,994,000 | 59,087,000 | 61,061,000 |
| Securities held to maturity | 930,000 | 894,000 | 807,000 | 679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,989,000 | 103,344,000 | 111,534,000 | 115,907,000 |
| Interest-bearing deposits | 64,713,000 | 89,057,000 | 105,033,000 | 109,710,000 |
| Noninterest-bearing deposits | 7,276,000 | 14,288,000 | 6,500,000 | 6,197,000 |
| Equity capital | 7,934,000 | 8,113,000 | 9,050,000 | 9,227,000 |
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 | 1,178,000 | 2,437,000 | 3,813,000 | 5,329,000 |
| Interest expense | 362,000 | 731,000 | 1,115,000 | 1,555,000 |
| Net interest income | 816,000 | 1,706,000 | 2,698,000 | 3,774,000 |
| Noninterest income | 124,000 | 191,000 | 231,000 | 453,000 |
| Noninterest expense | 568,000 | 1,152,000 | 1,692,000 | 2,257,000 |
| Provision for loan losses | 66,000 | 112,000 | 150,000 | 195,000 |
| Pretax income | 306,000 | 640,000 | 1,090,000 | 1,732,000 |
| Income tax | 101,000 | 203,000 | 345,000 | 563,000 |
| Net income | 205,000 | 437,000 | 745,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,766,000 | 8,948,000 | 9,172,000 | 9,567,000 |
| Total capital | 8,520,000 | 9,748,000 | 10,010,000 | 10,450,000 |
| Risk-weighted assets | 65,668,000 | 70,782,000 | 72,659,000 | 78,058,000 |