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Partners Bancorp Balance Sheet 2022-2011 | PTRS
Brief overview of Partners Bancorp's financial position
Balance sheet changes are traced across five available annual reports between 2018 and 2022.
Assets rose from $739.4 million to $1.6 billion, a gain of +113%, while CAGR was about 20.8%. The balance sheet expanded rapidly.
Liabilities followed the scale of the balance sheet: +113.1% versus +113% for assets. Leverage did not change materially.
For this sector, the direction of capital matters more than a high liability share itself: the equity ratio is 8.8% versus 8.9%.
Retained earnings stand at $62.9 million; the five-period change was +69.2%. This reflects accumulated business performance.
What the balance sheet shows
Partners Bancorp retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.
Annual Balance Sheet Partners Bancorp
| 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-57 M | -290 M | -183 M | -38.5 M | 20.3 M | 17.1 M | 9.98 M | -4.8 M | 7.27 M | 2.2 M | -7.76 M | 5.49 M |
Long Term Debt |
84.6 M | 49.2 M | 99.5 M | 56.6 M | 50 M | 46.1 M | 31.8 M | 27 M | 15 M | 15 M | 15 M | - |
Total Non Current Liabilities |
- | - | 33 M | - | - | - | - | - | - | - | - | - |
Total Liabilities |
1.44 B | 1.5 B | 1.38 B | 1.12 B | 673 M | 513 M | 466 M | 440 M | 403 M | 375 M | 391 M | 403 M |
Deferred Revenue |
- | - | 4.4 M | - | - | - | - | - | - | - | - | - |
Retained Earnings |
62.9 M | 51.3 M | 45.7 M | 41.8 M | 37.1 M | 32.6 M | 29.8 M | 26.4 M | 23.8 M | 20.4 M | 26.1 M | 25.3 M |
Total Assets |
1.57 B | 1.64 B | 1.51 B | 1.25 B | 739 M | 562 M | 512 M | 484 M | 448 M | 416 M | 430 M | 441 M |
Cash and Cash Equivalents |
142 M | 339 M | 283 M | 95.1 M | 29.7 M | - | - | - | - | - | - | - |
Book Value |
139 M | 141 M | 137 M | 131 M | 66 M | 49.1 M | 46.2 M | 43.3 M | 45.1 M | 40.9 M | 38.7 M | 37.8 M |
Total Shareholders Equity |
139 M | 141 M | 137 M | 131 M | 66 M | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Partners Bancorp
| 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
52.6 M | 73.7 M | 71.6 M | - | 48.8 M | 49.2 M | 49.1 M | 49.2 M | 49.3 M | 51.8 M | 57.9 M | 99.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
1.39 B | 1.41 B | 1.4 B | 1.44 B | 1.52 B | 1.56 B | 1.55 B | 1.5 B | 1.5 B | 1.47 B | 1.44 B | 1.38 B | 1.41 B | 1.36 B | 1.13 B | 1.12 B | 721 M | 700 M | 1.12 B | 673 M | 673 M | 673 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
70.9 M | 67.1 M | 64.1 M | 62.9 M | 59.4 M | 55.7 M | 53 M | 51.3 M | 50.3 M | 48 M | 46.3 M | 45.7 M | 45 M | 44.3 M | 43.7 M | 41.8 M | 41.3 M | 39.8 M | 41.8 M | 37.1 M | 37.1 M | 37.1 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
1.53 B | 1.55 B | 1.54 B | 1.57 B | 1.65 B | 1.69 B | 1.69 B | 1.64 B | 1.64 B | 1.61 B | 1.58 B | 1.51 B | 1.54 B | 1.5 B | 1.26 B | 1.25 B | 793 M | 770 M | 1.25 B | 739 M | 739 M | 739 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
48.6 M | 76.6 M | 92.1 M | 142 M | 248 M | 316 M | 346 M | 339 M | 347 M | 328 M | 312 M | 283 M | 289 M | 248 M | 84.7 M | 95.1 M | 76.1 M | 44.6 M | 95.1 M | 29.7 M | 29.7 M | 29.7 M | - | 32.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
144 M | 143 M | 142 M | 139 M | 134 M | 135 M | 137 M | 141 M | 140 M | 137 M | 136 M | 137 M | 136 M | 135 M | 134 M | 131 M | 71.6 M | 69.8 M | 131 M | 66 M | 66 M | 66 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
144 M | 143 M | 142 M | 139 M | 134 M | 135 M | 137 M | 141 M | 140 M | 137 M | 136 M | 137 M | 136 M | 135 M | 134 M | 131 M | 71.6 M | 69.8 M | 67.8 M | 66 M | 64.2 M | 66 M | 62.3 M | 49.1 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Partners Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.