Call reports 2012
PATRIOT FEDERAL BANK — 2012
What PATRIOT FEDERAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,665,000 | 103,773,000 | 102,517,000 | 100,899,000 |
| Total loans | 60,500,000 | 59,591,000 | 59,910,000 | 59,675,000 |
| Allowance for loan losses | 911,000 | 894,000 | 854,000 | 913,000 |
| Securities available for sale | 36,166,000 | 37,510,000 | 36,345,000 | 33,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,945,000 | 89,448,000 | 86,413,000 | 86,098,000 |
| Interest-bearing deposits | 79,398,000 | 83,422,000 | 80,812,000 | 80,273,000 |
| Noninterest-bearing deposits | 5,547,000 | 6,026,000 | 5,601,000 | 5,825,000 |
| Equity capital | 8,870,000 | 9,166,000 | 9,143,000 | 8,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,190,000 | 3,223,000 | 4,132,000 |
| Interest expense | 280,000 | 558,000 | 804,000 | 1,032,000 |
| Net interest income | 799,000 | 1,632,000 | 2,419,000 | 3,100,000 |
| Noninterest income | 50,000 | 100,000 | 27,000 | -1,000 |
| Noninterest expense | 661,000 | 1,338,000 | 2,001,000 | 2,752,000 |
| Provision for loan losses | 115,000 | 215,000 | 260,000 | 405,000 |
| Pretax income | 126,000 | 273,000 | 387,000 | 156,000 |
| Income tax | 33,000 | 80,000 | 113,000 | 51,000 |
| Net income | 93,000 | 193,000 | 274,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,506,000 | 8,552,000 | 8,423,000 | 8,242,000 |
| Total capital | 9,170,000 | 9,213,000 | 9,043,000 | 8,914,000 |
| Risk-weighted assets | 52,811,000 | 52,681,000 | 53,650,000 | 53,380,000 |