Call reports 2013
PATRIOT FEDERAL BANK — 2013
What PATRIOT FEDERAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,249,000 | 98,053,000 | 105,667,000 | 106,796,000 |
| Total loans | 60,982,000 | 63,318,000 | 67,007,000 | 71,605,000 |
| Allowance for loan losses | 930,000 | 964,000 | 990,000 | 1,011,000 |
| Securities available for sale | 31,252,000 | 28,398,000 | 30,320,000 | 29,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,398,000 | 85,354,000 | 90,366,000 | 89,984,000 |
| Interest-bearing deposits | 79,341,000 | 78,215,000 | 81,963,000 | 82,568,000 |
| Noninterest-bearing deposits | 6,057,000 | 7,139,000 | 8,403,000 | 7,416,000 |
| Equity capital | 8,718,000 | 8,058,000 | 10,714,000 | 10,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,856,000 | 2,841,000 | 3,907,000 |
| Interest expense | 206,000 | 382,000 | 553,000 | 720,000 |
| Net interest income | 718,000 | 1,474,000 | 2,288,000 | 3,187,000 |
| Noninterest income | 3,000 | 67,000 | 133,000 | 195,000 |
| Noninterest expense | 717,000 | 1,517,000 | 2,315,000 | 3,166,000 |
| Provision for loan losses | 32,000 | 67,000 | 112,000 | 162,000 |
| Pretax income | 22,000 | 38,000 | 75,000 | 135,000 |
| Income tax | 6,000 | 11,000 | 22,000 | 40,000 |
| Net income | 16,000 | 27,000 | 53,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,160,000 | 7,766,000 | 10,481,000 | 11,176,000 |
| Total capital | 8,841,000 | 8,452,000 | 11,197,000 | 11,925,000 |
| Risk-weighted assets | 54,262,000 | 54,639,000 | 57,013,000 | 59,843,000 |