Call reports 2007
PATRIOT BANK — 2007
What PATRIOT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,514,000 | 55,536,000 | 55,447,000 | 53,531,000 |
| Total loans | 38,897,000 | 38,571,000 | 39,842,000 | 37,573,000 |
| Allowance for loan losses | 508,000 | 513,000 | 575,000 | 454,000 |
| Securities available for sale | 5,565,000 | 8,661,000 | 8,644,000 | 9,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,279,000 | 50,259,000 | 50,064,000 | 48,433,000 |
| Interest-bearing deposits | 51,592,000 | 48,736,000 | 48,551,000 | 46,548,000 |
| Noninterest-bearing deposits | 1,686,000 | 1,522,000 | 1,513,000 | 1,884,000 |
| Equity capital | 4,837,000 | 4,886,000 | 5,006,000 | 4,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,134,000 | 3,205,000 | 4,272,000 |
| Interest expense | 582,000 | 1,195,000 | 1,797,000 | 2,375,000 |
| Net interest income | 460,000 | 939,000 | 1,408,000 | 1,897,000 |
| Noninterest income | 45,000 | 91,000 | 140,000 | 35,000 |
| Noninterest expense | 269,000 | 535,000 | 811,000 | 1,083,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 450,000 |
| Pretax income | 176,000 | 375,000 | 557,000 | 399,000 |
| Income tax | 50,000 | 161,000 | 281,000 | 352,000 |
| Net income | 126,000 | 214,000 | 276,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,873,000 | 4,961,000 | 5,023,000 | 4,792,000 |
| Total capital | 5,381,000 | 5,474,000 | 5,595,000 | 5,243,000 |
| Risk-weighted assets | 45,199,000 | 44,225,000 | 44,967,000 | 42,954,000 |