Call reports 2002
PATRONS BANK, NATIONAL ASSOCIATION — 2002
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 112,559,000 | 110,986,000 | 107,016,000 | 106,345,000 |
| Total loans | 69,511,000 | 70,583,000 | 68,885,000 | 66,816,000 |
| Allowance for loan losses | 752,000 | 791,000 | 798,000 | 841,000 |
| Securities available for sale | 28,685,000 | 33,099,000 | 31,169,000 | 30,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,171,000 | 86,729,000 | 84,935,000 | 87,492,000 |
| Interest-bearing deposits | 76,202,000 | 71,584,000 | 70,253,000 | 71,542,000 |
| Noninterest-bearing deposits | 15,969,000 | 15,145,000 | 14,682,000 | 15,950,000 |
| Equity capital | 13,494,000 | 14,216,000 | 14,546,000 | 14,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,635,000 | 5,394,000 | 7,056,000 |
| Interest expense | 484,000 | 927,000 | 1,335,000 | 1,715,000 |
| Net interest income | 1,338,000 | 2,708,000 | 4,059,000 | 5,341,000 |
| Noninterest income | 325,000 | 637,000 | 910,000 | 1,191,000 |
| Noninterest expense | 918,000 | 1,900,000 | 2,880,000 | 3,870,000 |
| Provision for loan losses | 46,000 | 91,000 | 137,000 | 185,000 |
| Pretax income | 782,000 | 1,455,000 | 2,053,000 | 2,578,000 |
| Income tax | 0 | 0 | 0 | 24,000 |
| Net income | 782,000 | 1,455,000 | 2,053,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,798,000 | 14,045,000 | 14,218,000 | 13,679,000 |
| Total capital | 14,550,000 | 14,836,000 | 15,016,000 | 14,520,000 |
| Risk-weighted assets | 70,145,000 | 72,187,000 | 70,224,000 | 68,363,000 |