Call reports 2004
AMERICAN PATRIOT BANK — 2004
What AMERICAN PATRIOT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,553,000 | 90,951,000 | 91,326,000 | 90,893,000 |
| Total loans | 74,556,000 | 75,670,000 | 76,206,000 | 73,688,000 |
| Allowance for loan losses | 1,416,000 | 1,424,000 | 1,554,000 | 1,607,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,324,000 | 78,298,000 | 78,942,000 | 78,436,000 |
| Interest-bearing deposits | 73,059,000 | 72,927,000 | 72,031,000 | 71,631,000 |
| Noninterest-bearing deposits | 6,265,000 | 5,371,000 | 6,911,000 | 6,805,000 |
| Equity capital | 7,474,000 | 7,738,000 | 7,544,000 | 7,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,363,000 | 2,761,000 | 4,189,000 | 5,626,000 |
| Interest expense | 362,000 | 739,000 | 1,139,000 | 1,575,000 |
| Net interest income | 1,001,000 | 2,022,000 | 3,050,000 | 4,051,000 |
| Noninterest income | 128,000 | 228,000 | 324,000 | 403,000 |
| Noninterest expense | 631,000 | 1,336,000 | 2,275,000 | 3,060,000 |
| Provision for loan losses | 67,000 | 71,000 | 554,000 | 615,000 |
| Pretax income | 431,000 | 843,000 | 545,000 | 779,000 |
| Income tax | 164,000 | 312,000 | 207,000 | 247,000 |
| Net income | 267,000 | 531,000 | 338,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,474,000 | 7,738,000 | 7,544,000 | 7,690,000 |
| Total capital | 8,420,000 | 8,698,000 | 8,537,000 | 8,659,000 |
| Risk-weighted assets | 75,218,000 | 76,320,000 | 78,877,000 | 76,906,000 |