Call reports 2008
PATRIOT BANK — 2008
What PATRIOT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,583,000 | 56,336,000 | 51,389,000 | 55,062,000 |
| Total loans | 37,229,000 | 35,177,000 | 34,376,000 | 29,166,000 |
| Allowance for loan losses | 469,000 | 1,188,000 | 1,167,000 | 571,000 |
| Securities available for sale | 10,210,000 | 10,445,000 | 10,610,000 | 10,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,370,000 | 51,033,000 | 45,504,000 | 50,214,000 |
| Interest-bearing deposits | 50,475,000 | 48,346,000 | 42,449,000 | 47,791,000 |
| Noninterest-bearing deposits | 1,895,000 | 2,687,000 | 3,055,000 | 2,423,000 |
| Equity capital | 4,928,000 | 5,035,000 | 4,796,000 | 4,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,656,000 | 2,438,000 | 3,133,000 |
| Interest expense | 572,000 | 1,103,000 | 1,570,000 | 2,007,000 |
| Net interest income | 295,000 | 553,000 | 868,000 | 1,126,000 |
| Noninterest income | 77,000 | 159,000 | 223,000 | 157,000 |
| Noninterest expense | 297,000 | 627,000 | 954,000 | 1,364,000 |
| Provision for loan losses | 65,000 | 790,000 | 1,170,000 | 2,520,000 |
| Pretax income | 10,000 | -705,000 | -1,035,000 | -2,603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | -705,000 | -1,035,000 | -2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,802,000 | 5,087,000 | 4,757,000 | 4,487,000 |
| Total capital | 5,271,000 | 5,616,000 | 5,242,000 | 4,834,000 |
| Risk-weighted assets | 43,072,000 | 40,906,000 | 37,321,000 | 34,335,000 |