Call reports 2015
PATRIOT COMMUNITY BANK — 2015
What PATRIOT COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,827,000 | 154,466,000 | 151,555,000 | 161,263,000 |
| Total loans | 124,428,000 | 130,395,000 | 132,489,000 | 142,541,000 |
| Allowance for loan losses | 1,264,000 | 1,418,000 | 1,633,000 | 1,743,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,499,000 | 134,574,000 | 131,429,000 | 140,643,000 |
| Interest-bearing deposits | 114,622,000 | 116,985,000 | 116,225,000 | 126,759,000 |
| Noninterest-bearing deposits | 12,877,000 | 17,589,000 | 15,204,000 | 13,884,000 |
| Equity capital | 18,908,000 | 19,271,000 | 19,480,000 | 19,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 3,102,000 | 4,818,000 | 6,599,000 |
| Interest expense | 334,000 | 667,000 | 1,007,000 | 1,386,000 |
| Net interest income | 1,164,000 | 2,435,000 | 3,811,000 | 5,213,000 |
| Noninterest income | 473,000 | 957,000 | 1,294,000 | 1,501,000 |
| Noninterest expense | 1,066,000 | 2,096,000 | 3,130,000 | 4,090,000 |
| Provision for loan losses | 111,000 | 265,000 | 479,000 | 590,000 |
| Pretax income | 460,000 | 1,031,000 | 1,496,000 | 2,034,000 |
| Income tax | 185,000 | 418,000 | 606,000 | 824,000 |
| Net income | 275,000 | 613,000 | 890,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,908,000 | 19,271,000 | 19,480,000 | 19,792,000 |
| Total capital | 20,254,000 | 20,761,000 | 20,993,000 | 21,307,000 |
| Risk-weighted assets | 115,658,000 | 119,636,000 | 120,811,000 | 120,912,000 |