Call reports 2007
PATRIOT COMMUNITY BANK — 2007
What PATRIOT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,151,000 | 44,471,000 | 48,927,000 | 53,558,000 |
| Total loans | 8,824,000 | 12,849,000 | 17,709,000 | 23,831,000 |
| Allowance for loan losses | 78,000 | 115,000 | 150,000 | 192,000 |
| Securities available for sale | 0 | 0 | 25,040,000 | 25,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,542,000 | 35,816,000 | 39,928,000 | 44,543,000 |
| Interest-bearing deposits | 32,645,000 | 32,121,000 | 33,797,000 | 39,310,000 |
| Noninterest-bearing deposits | 3,897,000 | 3,695,000 | 6,131,000 | 5,233,000 |
| Equity capital | 8,496,000 | 8,476,000 | 8,778,000 | 8,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,151,000 | 1,832,000 | 2,614,000 |
| Interest expense | 261,000 | 585,000 | 938,000 | 1,362,000 |
| Net interest income | 253,000 | 566,000 | 894,000 | 1,252,000 |
| Noninterest income | 55,000 | 131,000 | 198,000 | 245,000 |
| Noninterest expense | 391,000 | 793,000 | 1,182,000 | 1,474,000 |
| Provision for loan losses | 12,000 | 49,000 | 84,000 | 126,000 |
| Pretax income | -95,000 | -145,000 | -174,000 | -103,000 |
| Income tax | -17,000 | -17,000 | -17,000 | -10,000 |
| Net income | -78,000 | -128,000 | -157,000 | -93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,496,000 | 8,476,000 | 8,778,000 | 8,858,000 |
| Total capital | 8,590,000 | 8,617,000 | 8,949,000 | 9,075,000 |
| Risk-weighted assets | 20,817,000 | 19,172,000 | 44,490,000 | 49,943,000 |