Call reports 2009
AMERICAN PATRIOT BANK — 2009
What AMERICAN PATRIOT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,894,000 | 131,908,000 | 123,009,000 | 117,086,000 |
| Total loans | 106,599,000 | 103,656,000 | 100,267,000 | 94,404,000 |
| Allowance for loan losses | 2,532,000 | 3,027,000 | 3,619,000 | 2,915,000 |
| Securities available for sale | 0 | 0 | 2,004,000 | 2,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,664,000 | 117,602,000 | 109,770,000 | 106,536,000 |
| Interest-bearing deposits | 104,858,000 | 109,705,000 | 102,566,000 | 99,840,000 |
| Noninterest-bearing deposits | 7,806,000 | 7,897,000 | 7,204,000 | 6,696,000 |
| Equity capital | 8,723,000 | 7,835,000 | 6,973,000 | 4,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,178,000 | 4,707,000 | 6,228,000 |
| Interest expense | 796,000 | 1,594,000 | 2,297,000 | 2,912,000 |
| Net interest income | 877,000 | 1,584,000 | 2,410,000 | 3,316,000 |
| Noninterest income | 139,000 | 285,000 | 401,000 | 532,000 |
| Noninterest expense | 1,056,000 | 2,183,000 | 3,219,000 | 4,379,000 |
| Provision for loan losses | 857,000 | 2,025,000 | 2,797,000 | 4,220,000 |
| Pretax income | -897,000 | -2,339,000 | -3,205,000 | -4,751,000 |
| Income tax | -342,000 | -896,000 | -896,000 | 205,000 |
| Net income | -555,000 | -1,443,000 | -2,309,000 | -4,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,723,000 | 6,269,000 | 5,407,000 | 4,094,000 |
| Total capital | 10,033,000 | 7,565,000 | 6,660,000 | 5,194,000 |
| Risk-weighted assets | 103,602,000 | 103,635,000 | 98,920,000 | 86,172,000 |