Call reports 2003
PATRIOT BANK — 2003
What PATRIOT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,574,000 | 43,476,000 | 42,712,000 | 42,255,000 |
| Total loans | 28,487,000 | 29,261,000 | 29,439,000 | 28,350,000 |
| Allowance for loan losses | 433,000 | 380,000 | 351,000 | 353,000 |
| Securities available for sale | 7,551,000 | 7,069,000 | 8,134,000 | 8,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,990,000 | 38,823,000 | 37,925,000 | 37,636,000 |
| Interest-bearing deposits | 33,758,000 | 34,252,000 | 33,096,000 | 32,454,000 |
| Noninterest-bearing deposits | 4,232,000 | 4,571,000 | 4,829,000 | 5,182,000 |
| Equity capital | 3,328,000 | 3,443,000 | 3,336,000 | 3,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 632,000 | 1,233,000 | 1,871,000 | 2,442,000 |
| Interest expense | 204,000 | 390,000 | 552,000 | 691,000 |
| Net interest income | 428,000 | 843,000 | 1,319,000 | 1,751,000 |
| Noninterest income | 112,000 | 189,000 | 275,000 | 388,000 |
| Noninterest expense | 336,000 | 714,000 | 1,014,000 | 1,421,000 |
| Provision for loan losses | 0 | 5,000 | 31,000 | 58,000 |
| Pretax income | 204,000 | 313,000 | 549,000 | 665,000 |
| Income tax | 74,000 | 99,000 | 176,000 | 197,000 |
| Net income | 130,000 | 214,000 | 373,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,183,000 | 3,270,000 | 3,243,000 | 3,341,000 |
| Total capital | 3,515,000 | 3,615,000 | 3,594,000 | 3,694,000 |
| Risk-weighted assets | 26,494,000 | 27,579,000 | 28,829,000 | 28,379,000 |
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