Call reports 2004
PATRONS BANK, NATIONAL ASSOCIATION — 2004
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,119,000 | 108,026,000 | 115,759,000 | 115,902,000 |
| Total loans | 64,368,000 | 64,751,000 | 66,031,000 | 66,433,000 |
| Allowance for loan losses | 844,000 | 891,000 | 894,000 | 913,000 |
| Securities available for sale | 38,827,000 | 37,971,000 | 41,828,000 | 41,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,178,000 | 87,572,000 | 91,981,000 | 95,074,000 |
| Interest-bearing deposits | 72,577,000 | 71,841,000 | 75,593,000 | 77,685,000 |
| Noninterest-bearing deposits | 16,601,000 | 15,731,000 | 16,388,000 | 17,389,000 |
| Equity capital | 14,202,000 | 13,349,000 | 14,266,000 | 13,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 2,967,000 | 4,486,000 | 6,058,000 |
| Interest expense | 235,000 | 452,000 | 682,000 | 937,000 |
| Net interest income | 1,272,000 | 2,515,000 | 3,804,000 | 5,121,000 |
| Noninterest income | 319,000 | 691,000 | 1,088,000 | 1,453,000 |
| Noninterest expense | 977,000 | 1,932,000 | 2,921,000 | 3,989,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 134,000 |
| Pretax income | 577,000 | 1,199,000 | 1,858,000 | 2,454,000 |
| Income tax | 1,000 | 2,000 | 11,000 | 14,000 |
| Net income | 576,000 | 1,197,000 | 1,847,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,975,000 | 14,108,000 | 14,394,000 | 14,056,000 |
| Total capital | 14,809,000 | 14,957,000 | 15,271,000 | 14,935,000 |
| Risk-weighted assets | 66,687,000 | 67,876,000 | 70,131,000 | 70,315,000 |