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 | 144,603,000 | 148,494,000 | 148,099,000 | 149,804,000 |
| Total loans | 63,564,000 | 64,916,000 | 67,472,000 | 65,378,000 |
| Allowance for loan losses | 918,000 | 903,000 | 917,000 | 953,000 |
| Securities available for sale | 62,434,000 | 66,821,000 | 70,259,000 | 70,899,000 |
| Securities held to maturity | 1,266,000 | 1,200,000 | 1,174,000 | 1,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,956,000 | 111,700,000 | 114,317,000 | 122,604,000 |
| Interest-bearing deposits | 104,699,000 | 103,696,000 | 102,748,000 | 114,447,000 |
| Noninterest-bearing deposits | 8,257,000 | 8,003,000 | 11,568,000 | 8,157,000 |
| Equity capital | 9,201,000 | 10,054,000 | 10,266,000 | 10,373,000 |
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 | 1,626,000 | 3,381,000 | 5,243,000 | 7,253,000 |
| Interest expense | 512,000 | 1,163,000 | 1,938,000 | 2,775,000 |
| Net interest income | 1,114,000 | 2,218,000 | 3,305,000 | 4,478,000 |
| Noninterest income | 320,000 | 458,000 | 587,000 | 709,000 |
| Noninterest expense | 614,000 | 1,244,000 | 1,826,000 | 2,431,000 |
| Provision for loan losses | 35,000 | 35,000 | 80,000 | 85,000 |
| Pretax income | 785,000 | 1,397,000 | 1,981,000 | 2,666,000 |
| Income tax | 257,000 | 473,000 | 689,000 | 920,000 |
| Net income | 528,000 | 924,000 | 1,292,000 | 1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,022,000 | 10,417,000 | 10,786,000 | 11,160,000 |
| Total capital | 10,940,000 | 11,320,000 | 11,703,000 | 12,113,000 |
| Risk-weighted assets | 75,829,000 | 77,631,000 | 79,468,000 | 77,820,000 |