Call reports 2005
AMERICAN PATRIOT BANK — 2005
What AMERICAN 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 | 88,585,000 | 86,121,000 | 84,810,000 | 87,758,000 |
| Total loans | 70,416,000 | 67,480,000 | 68,308,000 | 64,752,000 |
| Allowance for loan losses | 1,335,000 | 970,000 | 917,000 | 697,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,120,000 | 73,434,000 | 71,990,000 | 74,721,000 |
| Interest-bearing deposits | 69,750,000 | 66,464,000 | 64,514,000 | 66,079,000 |
| Noninterest-bearing deposits | 6,370,000 | 6,970,000 | 7,476,000 | 8,642,000 |
| Equity capital | 7,835,000 | 7,984,000 | 8,097,000 | 8,317,000 |
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 | 1,328,000 | 2,730,000 | 4,197,000 | 5,618,000 |
| Interest expense | 468,000 | 990,000 | 1,545,000 | 2,119,000 |
| Net interest income | 860,000 | 1,740,000 | 2,652,000 | 3,499,000 |
| Noninterest income | 76,000 | 191,000 | 307,000 | 445,000 |
| Noninterest expense | 898,000 | 1,794,000 | 2,692,000 | 3,509,000 |
| Provision for loan losses | -132,000 | -369,000 | -368,000 | -555,000 |
| Pretax income | 170,000 | 506,000 | 635,000 | 990,000 |
| Income tax | 25,000 | 213,000 | 228,000 | 363,000 |
| Net income | 145,000 | 293,000 | 407,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,835,000 | 7,984,000 | 8,097,000 | 8,317,000 |
| Total capital | 8,764,000 | 8,881,000 | 8,992,000 | 9,014,000 |
| Risk-weighted assets | 73,963,000 | 71,681,000 | 71,559,000 | 68,862,000 |