Call reports 2008
AMERICAN PATRIOT BANK — 2008
What AMERICAN PATRIOT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,733,000 | 115,131,000 | 116,876,000 | 119,529,000 |
| Total loans | 98,993,000 | 100,219,000 | 102,622,000 | 105,701,000 |
| Allowance for loan losses | 1,045,000 | 982,000 | 984,000 | 2,374,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,129,000 | 101,039,000 | 101,233,000 | 103,748,000 |
| Interest-bearing deposits | 91,102,000 | 92,176,000 | 92,981,000 | 95,802,000 |
| Noninterest-bearing deposits | 10,027,000 | 8,863,000 | 8,252,000 | 7,946,000 |
| Equity capital | 8,752,000 | 9,049,000 | 9,145,000 | 9,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,976,000 | 3,748,000 | 5,555,000 | 7,325,000 |
| Interest expense | 984,000 | 1,797,000 | 2,599,000 | 3,436,000 |
| Net interest income | 992,000 | 1,951,000 | 2,956,000 | 3,889,000 |
| Noninterest income | 195,000 | 377,000 | 537,000 | 700,000 |
| Noninterest expense | 1,050,000 | 2,082,000 | 3,079,000 | 4,111,000 |
| Provision for loan losses | -92,000 | -138,000 | -126,000 | 1,298,000 |
| Pretax income | 229,000 | 384,000 | 540,000 | -820,000 |
| Income tax | 82,000 | 148,000 | 208,000 | -312,000 |
| Net income | 147,000 | 236,000 | 332,000 | -508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,752,000 | 9,049,000 | 9,145,000 | 9,305,000 |
| Total capital | 9,797,000 | 10,031,000 | 10,129,000 | 10,396,000 |
| Risk-weighted assets | 99,312,000 | 99,876,000 | 98,278,000 | 101,724,000 |