Call reports 2005
PATRIOT BANK — 2005
What PATRIOT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,708,000 | 27,759,000 | 25,407,000 | 35,413,000 |
| Total loans | 17,250,000 | 16,895,000 | 15,331,000 | 17,735,000 |
| Allowance for loan losses | 238,000 | 252,000 | 208,000 | 264,000 |
| Securities available for sale | 5,009,000 | 4,855,000 | 4,952,000 | 4,313,000 |
| Securities held to maturity | 953,000 | 785,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,945,000 | 24,980,000 | 22,882,000 | 31,951,000 |
| Interest-bearing deposits | 20,768,000 | 19,951,000 | 20,499,000 | 29,456,000 |
| Noninterest-bearing deposits | 2,177,000 | 5,029,000 | 2,384,000 | 2,495,000 |
| Equity capital | 2,668,000 | 2,677,000 | 2,428,000 | 3,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 748,000 | 1,127,000 | 1,549,000 |
| Interest expense | 144,000 | 293,000 | 454,000 | 685,000 |
| Net interest income | 236,000 | 455,000 | 673,000 | 864,000 |
| Noninterest income | 136,000 | 249,000 | 364,000 | 396,000 |
| Noninterest expense | 351,000 | 683,000 | 1,036,000 | 1,325,000 |
| Provision for loan losses | 30,000 | 50,000 | 396,000 | 502,000 |
| Pretax income | -8,000 | -28,000 | -394,000 | -562,000 |
| Income tax | -2,000 | -6,000 | -138,000 | -246,000 |
| Net income | -6,000 | -22,000 | -256,000 | -316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,716,000 | 2,700,000 | 2,466,000 | 3,406,000 |
| Total capital | 2,954,000 | 2,947,000 | 2,674,000 | 3,670,000 |
| Risk-weighted assets | 19,371,000 | 19,746,000 | 18,282,000 | 22,341,000 |