Call reports 2008
PATRIOT BANK — 2008
What PATRIOT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 95,972,000 | 96,007,000 | 98,980,000 | 97,092,000 |
| Total loans | 72,781,000 | 73,099,000 | 74,666,000 | 75,834,000 |
| Allowance for loan losses | 629,000 | 824,000 | 843,000 | 1,143,000 |
| Securities available for sale | 8,493,000 | 10,995,000 | 11,102,000 | 10,741,000 |
| Securities held to maturity | 2,474,000 | 2,354,000 | 2,554,000 | 2,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,781,000 | 88,070,000 | 86,441,000 | 87,333,000 |
| Interest-bearing deposits | 82,731,000 | 82,681,000 | 81,172,000 | 80,404,000 |
| Noninterest-bearing deposits | 5,050,000 | 5,388,000 | 5,269,000 | 6,929,000 |
| Equity capital | 7,499,000 | 7,348,000 | 7,030,000 | 5,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 2,942,000 | 4,408,000 | 5,697,000 |
| Interest expense | 633,000 | 1,216,000 | 1,771,000 | 2,271,000 |
| Net interest income | 859,000 | 1,726,000 | 2,637,000 | 3,426,000 |
| Noninterest income | 240,000 | 457,000 | 696,000 | 951,000 |
| Noninterest expense | 876,000 | 1,693,000 | 2,618,000 | 3,478,000 |
| Provision for loan losses | 11,000 | 211,000 | 467,000 | 2,114,000 |
| Pretax income | 212,000 | 279,000 | 248,000 | -1,215,000 |
| Income tax | 79,000 | 82,000 | 79,000 | 2,000 |
| Net income | 133,000 | 197,000 | 169,000 | -1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,210,000 | 7,286,000 | 6,972,000 | 5,597,000 |
| Total capital | 7,839,000 | 8,110,000 | 7,815,000 | 6,550,000 |
| Risk-weighted assets | 77,037,000 | 77,154,000 | 75,440,000 | 75,259,000 |
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