Call reports 2006
AMERICAN PATRIOT BANK — 2006
What AMERICAN PATRIOT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,903,000 | 90,199,000 | 90,432,000 | 97,745,000 |
| Total loans | 66,434,000 | 69,206,000 | 70,625,000 | 77,678,000 |
| Allowance for loan losses | 617,000 | 764,000 | 701,000 | 618,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,678,000 | 76,933,000 | 78,545,000 | 82,507,000 |
| Interest-bearing deposits | 63,797,000 | 67,725,000 | 70,023,000 | 73,176,000 |
| Noninterest-bearing deposits | 8,881,000 | 9,208,000 | 8,522,000 | 9,331,000 |
| Equity capital | 8,493,000 | 8,450,000 | 8,603,000 | 8,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,666,000 | 3,166,000 | 4,886,000 | 6,686,000 |
| Interest expense | 628,000 | 1,309,000 | 2,061,000 | 2,843,000 |
| Net interest income | 1,038,000 | 1,857,000 | 2,825,000 | 3,843,000 |
| Noninterest income | 125,000 | 279,000 | 382,000 | 491,000 |
| Noninterest expense | 917,000 | 1,796,000 | 2,655,000 | 3,477,000 |
| Provision for loan losses | -50,000 | 100,000 | 39,000 | -24,000 |
| Pretax income | 296,000 | 240,000 | 513,000 | 881,000 |
| Income tax | 113,000 | 70,000 | 185,000 | 326,000 |
| Net income | 183,000 | 170,000 | 328,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,493,000 | 8,450,000 | 8,603,000 | 8,825,000 |
| Total capital | 9,110,000 | 9,214,000 | 9,304,000 | 9,443,000 |
| Risk-weighted assets | 69,484,000 | 71,348,000 | 71,703,000 | 75,614,000 |