Call reports 2003
PATRIOT BANK — 2003
What PATRIOT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Total assets | 27,474,000 | 27,249,000 | 27,493,000 |
| Total loans | 17,824,000 | 17,140,000 | 19,005,000 |
| Allowance for loan losses | 419,000 | 147,000 | 207,000 |
| Securities available for sale | 3,129,000 | 4,618,000 | 4,920,000 |
| Securities held to maturity | 4,101,000 | 2,351,000 | 1,983,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 23,918,000 | 23,929,000 | 23,832,000 |
| Interest-bearing deposits | 22,514,000 | 22,390,000 | 21,762,000 |
| Noninterest-bearing deposits | 1,404,000 | 1,539,000 | 2,070,000 |
| Equity capital | 2,794,000 | 2,617,000 | 2,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Interest income | 807,000 | 1,179,000 | 1,585,000 |
| Interest expense | 352,000 | 519,000 | 675,000 |
| Net interest income | 455,000 | 660,000 | 910,000 |
| Noninterest income | 360,000 | 546,000 | 632,000 |
| Noninterest expense | 678,000 | 1,051,000 | 1,426,000 |
| Provision for loan losses | 63,000 | 266,000 | 296,000 |
| Pretax income | 79,000 | -106,000 | -175,000 |
| Income tax | 15,000 | -27,000 | -67,000 |
| Net income | 51,000 | -92,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Tier 1 capital | 2,770,000 | 2,628,000 | 2,785,000 |
| Total capital | 3,003,000 | 2,775,000 | 2,992,000 |
| Risk-weighted assets | 18,459,000 | 18,915,000 | 20,777,000 |