Call reports 2004
PATRIOT BANK — 2004
What PATRIOT 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 | 76,391,000 | 75,663,000 | 76,917,000 | 76,837,000 |
| Total loans | 41,127,000 | 47,686,000 | 49,729,000 | 49,169,000 |
| Allowance for loan losses | 465,000 | 493,000 | 437,000 | 391,000 |
| Securities available for sale | 15,077,000 | 9,755,000 | 8,784,000 | 8,203,000 |
| Securities held to maturity | 7,531,000 | 5,851,000 | 5,649,000 | 5,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,859,000 | 66,861,000 | 64,193,000 | 70,187,000 |
| Interest-bearing deposits | 60,365,000 | 58,761,000 | 56,366,000 | 61,469,000 |
| Noninterest-bearing deposits | 8,494,000 | 8,100,000 | 7,827,000 | 8,718,000 |
| Equity capital | 6,200,000 | 6,099,000 | 6,108,000 | 6,206,000 |
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 | 1,066,000 | 1,984,000 | 2,983,000 | 3,985,000 |
| Interest expense | 245,000 | 459,000 | 674,000 | 918,000 |
| Net interest income | 821,000 | 1,525,000 | 2,309,000 | 3,067,000 |
| Noninterest income | 157,000 | 353,000 | 490,000 | 712,000 |
| Noninterest expense | 766,000 | 1,439,000 | 2,072,000 | 2,950,000 |
| Provision for loan losses | 5,000 | 30,000 | 40,000 | 0 |
| Pretax income | 206,000 | 368,000 | 654,000 | 801,000 |
| Income tax | 53,000 | 105,000 | 173,000 | 197,000 |
| Net income | 153,000 | 263,000 | 481,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,884,000 | 5,999,000 | 5,996,000 | 6,045,000 |
| Total capital | 6,349,000 | 6,492,000 | 6,433,000 | 6,436,000 |
| Risk-weighted assets | 46,923,000 | 51,658,000 | 54,929,000 | 55,544,000 |
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