Call reports 2003
PATRONS BANK, NATIONAL ASSOCIATION — 2003
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,764,000 | 116,482,000 | 115,021,000 | 114,830,000 |
| Total loans | 68,189,000 | 67,168,000 | 67,483,000 | 66,053,000 |
| Allowance for loan losses | 862,000 | 888,000 | 894,000 | 811,000 |
| Securities available for sale | 29,831,000 | 42,581,000 | 40,898,000 | 40,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,322,000 | 94,970,000 | 88,725,000 | 90,089,000 |
| Interest-bearing deposits | 75,758,000 | 77,779,000 | 72,450,000 | 73,098,000 |
| Noninterest-bearing deposits | 15,564,000 | 17,191,000 | 16,275,000 | 16,991,000 |
| Equity capital | 14,132,000 | 14,546,000 | 14,130,000 | 13,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,228,000 | 4,820,000 | 6,383,000 |
| Interest expense | 344,000 | 653,000 | 920,000 | 1,169,000 |
| Net interest income | 1,270,000 | 2,575,000 | 3,900,000 | 5,214,000 |
| Noninterest income | 290,000 | 592,000 | 904,000 | 1,213,000 |
| Noninterest expense | 957,000 | 1,933,000 | 2,878,000 | 3,835,000 |
| Provision for loan losses | 37,000 | 74,000 | 112,000 | 150,000 |
| Pretax income | 566,000 | 1,160,000 | 1,814,000 | 2,442,000 |
| Income tax | 0 | 0 | 9,000 | 18,000 |
| Net income | 566,000 | 1,160,000 | 1,805,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,818,000 | 13,987,000 | 14,206,000 | 13,825,000 |
| Total capital | 14,680,000 | 14,875,000 | 15,100,000 | 14,636,000 |
| Risk-weighted assets | 70,457,000 | 70,634,000 | 70,820,000 | 69,447,000 |