Call reports 2015
PATRIOT FEDERAL BANK — 2015
What PATRIOT FEDERAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 127,929,000 | 133,646,000 | 127,469,000 | 129,343,000 |
| Total loans | 98,669,000 | 104,671,000 | 96,036,000 | 99,386,000 |
| Allowance for loan losses | 1,365,000 | 1,427,000 | 1,534,000 | 1,550,000 |
| Securities available for sale | 23,572,000 | 22,446,000 | 22,193,000 | 23,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,935,000 | 105,747,000 | 102,886,000 | 105,637,000 |
| Interest-bearing deposits | 89,148,000 | 91,885,000 | 91,241,000 | 94,147,000 |
| Noninterest-bearing deposits | 10,787,000 | 13,862,000 | 11,645,000 | 11,490,000 |
| Equity capital | 11,824,000 | 11,598,000 | 11,905,000 | 12,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,582,000 | 3,881,000 | 5,147,000 |
| Interest expense | 189,000 | 384,000 | 580,000 | 776,000 |
| Net interest income | 1,094,000 | 2,198,000 | 3,301,000 | 4,371,000 |
| Noninterest income | 105,000 | 211,000 | 404,000 | 527,000 |
| Noninterest expense | 972,000 | 1,943,000 | 2,922,000 | 3,907,000 |
| Provision for loan losses | 125,000 | 238,000 | 403,000 | 503,000 |
| Pretax income | 102,000 | 228,000 | 380,000 | 504,000 |
| Income tax | 30,000 | 67,000 | 112,000 | 150,000 |
| Net income | 72,000 | 161,000 | 268,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,505,000 | 11,682,000 | 11,789,000 | 11,875,000 |
| Total capital | 12,511,000 | 12,748,000 | 12,814,000 | 12,921,000 |
| Risk-weighted assets | 80,177,000 | 84,940,000 | 81,499,000 | 83,198,000 |