Call reports 2007
AMERICAN PATRIOT BANK — 2007
What AMERICAN PATRIOT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,346,000 | 104,064,000 | 111,789,000 | 116,487,000 |
| Total loans | 81,629,000 | 83,234,000 | 88,503,000 | 92,943,000 |
| Allowance for loan losses | 704,000 | 605,000 | 606,000 | 1,094,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,357,000 | 92,208,000 | 99,858,000 | 105,034,000 |
| Interest-bearing deposits | 77,691,000 | 81,779,000 | 89,031,000 | 92,677,000 |
| Noninterest-bearing deposits | 9,666,000 | 10,429,000 | 10,827,000 | 12,357,000 |
| Equity capital | 8,927,000 | 9,081,000 | 9,038,000 | 8,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,873,000 | 5,966,000 | 8,024,000 |
| Interest expense | 846,000 | 1,804,000 | 2,826,000 | 3,881,000 |
| Net interest income | 990,000 | 2,069,000 | 3,140,000 | 4,143,000 |
| Noninterest income | 170,000 | 346,000 | 545,000 | 702,000 |
| Noninterest expense | 891,000 | 1,918,000 | 3,116,000 | 4,170,000 |
| Provision for loan losses | 104,000 | 41,000 | 133,000 | 931,000 |
| Pretax income | 165,000 | 456,000 | 436,000 | -256,000 |
| Income tax | 62,000 | 177,000 | 165,000 | -121,000 |
| Net income | 103,000 | 279,000 | 271,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,927,000 | 9,081,000 | 9,038,000 | 8,610,000 |
| Total capital | 9,631,000 | 9,686,000 | 9,644,000 | 9,704,000 |
| Risk-weighted assets | 80,925,000 | 87,213,000 | 90,785,000 | 95,552,000 |