Call reports 2014
PATRIOT FEDERAL BANK — 2014
What PATRIOT FEDERAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 110,295,000 | 120,949,000 | 122,365,000 | 125,582,000 |
| Total loans | 74,420,000 | 80,055,000 | 87,031,000 | 95,187,000 |
| Allowance for loan losses | 1,046,000 | 1,111,000 | 1,091,000 | 1,259,000 |
| Securities available for sale | 29,995,000 | 33,650,000 | 29,117,000 | 24,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,194,000 | 93,779,000 | 93,840,000 | 96,884,000 |
| Interest-bearing deposits | 82,084,000 | 83,010,000 | 83,318,000 | 86,476,000 |
| Noninterest-bearing deposits | 8,110,000 | 10,769,000 | 10,522,000 | 10,408,000 |
| Equity capital | 11,018,000 | 11,423,000 | 11,452,000 | 11,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,191,000 | 3,355,000 | 4,600,000 |
| Interest expense | 164,000 | 331,000 | 503,000 | 682,000 |
| Net interest income | 895,000 | 1,860,000 | 2,852,000 | 3,918,000 |
| Noninterest income | 82,000 | 152,000 | 243,000 | 336,000 |
| Noninterest expense | 926,000 | 1,855,000 | 2,829,000 | 3,763,000 |
| Provision for loan losses | 31,000 | 96,000 | 395,000 | 616,000 |
| Pretax income | 20,000 | 61,000 | -72,000 | 14,000 |
| Income tax | 6,000 | 18,000 | -21,000 | 4,000 |
| Net income | 14,000 | 43,000 | -51,000 | 10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,296,000 | 11,317,000 | 11,249,000 | 11,413,000 |
| Total capital | 12,075,000 | 12,160,000 | 12,154,000 | 12,388,000 |
| Risk-weighted assets | 62,029,000 | 67,146,000 | 72,311,000 | 77,708,000 |