Call reports 2016
PATRIOT COMMUNITY BANK — 2016
What PATRIOT COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 167,767,000 | 183,653,000 | 172,832,000 | 168,192,000 |
| Total loans | 131,027,000 | 132,461,000 | 138,655,000 | 132,200,000 |
| Allowance for loan losses | 1,595,000 | 1,545,000 | 1,685,000 | 2,014,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,774,000 | 162,082,000 | 150,760,000 | 145,804,000 |
| Interest-bearing deposits | 131,858,000 | 139,692,000 | 127,595,000 | 129,395,000 |
| Noninterest-bearing deposits | 14,916,000 | 22,390,000 | 23,165,000 | 16,409,000 |
| Equity capital | 20,478,000 | 20,837,000 | 21,043,000 | 21,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,745,000 | 3,410,000 | 5,108,000 | 6,906,000 |
| Interest expense | 412,000 | 838,000 | 1,275,000 | 1,701,000 |
| Net interest income | 1,333,000 | 2,572,000 | 3,833,000 | 5,205,000 |
| Noninterest income | 209,000 | 583,000 | 1,127,000 | 1,634,000 |
| Noninterest expense | 1,058,000 | 2,132,000 | 3,244,000 | 4,421,000 |
| Provision for loan losses | -148,000 | -198,000 | -59,000 | 271,000 |
| Pretax income | 632,000 | 1,221,000 | 1,775,000 | 2,147,000 |
| Income tax | 254,000 | 492,000 | 719,000 | 878,000 |
| Net income | 378,000 | 729,000 | 1,056,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,478,000 | 20,837,000 | 19,475,000 | 21,362,000 |
| Total capital | 21,972,000 | 22,324,000 | 21,043,000 | 22,850,000 |
| Risk-weighted assets | 119,355,000 | 118,753,000 | 125,285,000 | 118,455,000 |