Call reports 2016
PATRIOT FEDERAL BANK — 2016
What PATRIOT FEDERAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 130,386,000 | 135,672,000 | 139,712,000 | 141,246,000 |
| Total loans | 102,042,000 | 106,188,000 | 111,381,000 | 115,581,000 |
| Allowance for loan losses | 1,629,000 | 1,703,000 | 1,745,000 | 1,795,000 |
| Securities available for sale | 23,517,000 | 23,349,000 | 22,783,000 | 19,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,646,000 | 112,438,000 | 117,248,000 | 118,199,000 |
| Interest-bearing deposits | 94,836,000 | 100,083,000 | 103,156,000 | 103,101,000 |
| Noninterest-bearing deposits | 10,810,000 | 12,355,000 | 14,092,000 | 15,098,000 |
| Equity capital | 12,297,000 | 12,582,000 | 12,666,000 | 12,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,662,000 | 4,050,000 | 5,501,000 |
| Interest expense | 196,000 | 408,000 | 631,000 | 858,000 |
| Net interest income | 1,121,000 | 2,254,000 | 3,419,000 | 4,643,000 |
| Noninterest income | 114,000 | 240,000 | 428,000 | 556,000 |
| Noninterest expense | 1,006,000 | 1,997,000 | 3,064,000 | 4,114,000 |
| Provision for loan losses | 75,000 | 150,000 | 222,000 | 272,000 |
| Pretax income | 154,000 | 347,000 | 565,000 | 826,000 |
| Income tax | 57,000 | 130,000 | 213,000 | 318,000 |
| Net income | 97,000 | 217,000 | 352,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,973,000 | 12,066,000 | 12,201,000 | 12,357,000 |
| Total capital | 13,026,000 | 13,156,000 | 13,340,000 | 13,506,000 |
| Risk-weighted assets | 83,734,000 | 86,628,000 | 90,583,000 | 91,342,000 |