Call reports 2004
PATRIOT BANK — 2004
What PATRIOT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 28,641,000 | 27,030,000 | 26,801,000 | 26,914,000 |
| Total loans | 19,364,000 | 19,252,000 | 18,589,000 | 17,355,000 |
| Allowance for loan losses | 221,000 | 319,000 | 283,000 | 307,000 |
| Securities available for sale | 4,593,000 | 3,767,000 | 4,227,000 | 5,225,000 |
| Securities held to maturity | 1,667,000 | 1,569,000 | 1,507,000 | 973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,187,000 | 23,706,000 | 23,405,000 | 23,571,000 |
| Interest-bearing deposits | 22,132,000 | 21,643,000 | 21,640,000 | 21,893,000 |
| Noninterest-bearing deposits | 3,055,000 | 2,063,000 | 1,765,000 | 1,678,000 |
| Equity capital | 2,818,000 | 2,667,000 | 2,732,000 | 2,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 794,000 | 1,192,000 | 1,600,000 |
| Interest expense | 146,000 | 292,000 | 438,000 | 588,000 |
| Net interest income | 264,000 | 502,000 | 754,000 | 1,012,000 |
| Noninterest income | 109,000 | 262,000 | 446,000 | 577,000 |
| Noninterest expense | 333,000 | 690,000 | 1,076,000 | 1,416,000 |
| Provision for loan losses | 25,000 | 168,000 | 186,000 | 223,000 |
| Pretax income | 15,000 | -94,000 | -60,000 | -46,000 |
| Income tax | 2,000 | -21,000 | -11,000 | -5,000 |
| Net income | 13,000 | -73,000 | -49,000 | -41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,798,000 | 2,712,000 | 2,736,000 | 2,722,000 |
| Total capital | 3,019,000 | 2,970,000 | 2,989,000 | 2,972,000 |
| Risk-weighted assets | 21,086,000 | 20,597,000 | 20,228,000 | 19,963,000 |