Call reports 2003
AMERICAN PATRIOT BANK — 2003
What AMERICAN 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 | 61,715,000 | 66,255,000 | 77,532,000 | 85,075,000 |
| Total loans | 47,330,000 | 54,356,000 | 62,822,000 | 69,889,000 |
| Allowance for loan losses | 618,000 | 679,000 | 785,000 | 1,350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,033,000 | 54,961,000 | 65,987,000 | 73,498,000 |
| Interest-bearing deposits | 46,035,000 | 49,802,000 | 60,095,000 | 67,268,000 |
| Noninterest-bearing deposits | 5,998,000 | 5,159,000 | 5,892,000 | 6,230,000 |
| Equity capital | 6,998,000 | 7,115,000 | 7,309,000 | 7,207,000 |
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 | 933,000 | 1,971,000 | 3,143,000 | 4,463,000 |
| Interest expense | 266,000 | 564,000 | 871,000 | 1,217,000 |
| Net interest income | 667,000 | 1,407,000 | 2,272,000 | 3,246,000 |
| Noninterest income | 97,000 | 201,000 | 307,000 | 455,000 |
| Noninterest expense | 548,000 | 1,100,000 | 1,679,000 | 2,401,000 |
| Provision for loan losses | 85,000 | 218,000 | 323,000 | 957,000 |
| Pretax income | 131,000 | 290,000 | 577,000 | 343,000 |
| Income tax | 44,000 | 101,000 | 205,000 | 90,000 |
| Net income | 87,000 | 189,000 | 372,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,998,000 | 7,115,000 | 7,309,000 | 7,207,000 |
| Total capital | 7,616,000 | 7,794,000 | 8,094,000 | 8,094,000 |
| Risk-weighted assets | 62,767,000 | 67,407,000 | 64,794,000 | 70,523,000 |