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 | 1,009,601,000 | 1,001,027,000 | 1,009,749,000 | 1,039,102,000 |
| Total loans | 606,454,000 | 599,932,000 | 606,309,000 | 631,433,000 |
| Allowance for loan losses | 7,258,000 | 7,341,000 | 6,809,000 | 6,904,000 |
| Securities available for sale | 324,653,000 | 325,529,000 | 317,846,000 | 331,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,996,000 | 608,157,000 | 625,205,000 | 615,915,000 |
| Interest-bearing deposits | 558,209,000 | 597,695,000 | 602,596,000 | 605,518,000 |
| Noninterest-bearing deposits | 11,787,000 | 10,462,000 | 22,609,000 | 10,397,000 |
| Equity capital | 86,796,000 | 86,717,000 | 79,911,000 | 81,305,000 |
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 | 15,522,000 | 30,046,000 | 44,425,000 | 59,367,000 |
| Interest expense | 7,100,000 | 13,900,000 | 20,002,000 | 25,958,000 |
| Net interest income | 8,422,000 | 16,146,000 | 24,423,000 | 33,409,000 |
| Noninterest income | 1,670,000 | 3,984,000 | 6,581,000 | 8,847,000 |
| Noninterest expense | 6,329,000 | 12,447,000 | 19,417,000 | 26,134,000 |
| Provision for loan losses | 1,100,000 | 2,000,000 | 2,900,000 | 3,930,000 |
| Pretax income | 3,219,000 | 6,615,000 | 10,053,000 | 13,557,000 |
| Income tax | 739,000 | 1,483,000 | 2,245,000 | 3,026,000 |
| Net income | 2,480,000 | 5,132,000 | 7,808,000 | 10,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,038,000 | 71,227,000 | 67,953,000 | 69,635,000 |
| Total capital | 80,699,000 | 80,392,000 | 74,762,000 | 77,084,000 |
| Risk-weighted assets | 627,958,000 | 644,902,000 | 658,989,000 | 682,756,000 |
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