Call reports 2005
PATRIOT BANK — 2005
What PATRIOT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,456,000 | 76,674,000 | 120,387,000 | 181,605,000 |
| Total loans | 22,012,000 | 61,605,000 | 99,251,000 | 155,903,000 |
| Allowance for loan losses | 64,000 | 323,000 | 548,000 | 771,000 |
| Securities available for sale | 2,382,000 | 2,061,000 | 0 | 7,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,205,000 | 49,385,000 | 92,992,000 | 152,145,000 |
| Interest-bearing deposits | 15,885,000 | 39,667,000 | 84,650,000 | 135,707,000 |
| Noninterest-bearing deposits | 4,320,000 | 9,718,000 | 8,342,000 | 16,438,000 |
| Equity capital | 22,087,000 | 22,119,000 | 22,171,000 | 22,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 253,000 | 1,111,000 | 2,868,000 | 5,449,000 |
| Interest expense | 61,000 | 247,000 | 853,000 | 1,912,000 |
| Net interest income | 192,000 | 864,000 | 2,015,000 | 3,537,000 |
| Noninterest income | 17,000 | 36,000 | 214,000 | 244,000 |
| Noninterest expense | 821,000 | 1,523,000 | 2,581,000 | 5,168,000 |
| Provision for loan losses | 0 | 265,000 | 490,000 | 840,000 |
| Pretax income | -612,000 | -888,000 | -842,000 | -2,227,000 |
| Income tax | 0 | 0 | 0 | -416,000 |
| Net income | -612,000 | -888,000 | -842,000 | -1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,556,000 | 20,588,000 | 20,640,000 | 19,567,000 |
| Total capital | 20,620,000 | 20,911,000 | 21,188,000 | 20,338,000 |
| Risk-weighted assets | 28,312,000 | 68,933,000 | 109,228,000 | 169,220,000 |
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