Call reports 2005
PATRONS BANK, NATIONAL ASSOCIATION — 2005
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 120,881,000 | 120,919,000 | 121,175,000 | 120,085,000 |
| Total loans | 66,598,000 | 69,492,000 | 70,934,000 | 70,557,000 |
| Allowance for loan losses | 926,000 | 933,000 | 925,000 | 850,000 |
| Securities available for sale | 42,942,000 | 44,397,000 | 43,547,000 | 42,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,315,000 | 93,020,000 | 90,144,000 | 93,222,000 |
| Interest-bearing deposits | 81,018,000 | 73,593,000 | 71,446,000 | 74,420,000 |
| Noninterest-bearing deposits | 19,297,000 | 19,427,000 | 18,698,000 | 18,802,000 |
| Equity capital | 13,501,000 | 13,991,000 | 14,093,000 | 13,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,570,000 | 3,227,000 | 4,963,000 | 6,734,000 |
| Interest expense | 272,000 | 582,000 | 986,000 | 1,459,000 |
| Net interest income | 1,298,000 | 2,645,000 | 3,977,000 | 5,275,000 |
| Noninterest income | 382,000 | 781,000 | 1,167,000 | 1,544,000 |
| Noninterest expense | 1,001,000 | 2,033,000 | 3,061,000 | 4,163,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 61,000 |
| Pretax income | 664,000 | 1,363,000 | 2,037,000 | 2,595,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 5,000 |
| Net income | 655,000 | 1,345,000 | 2,010,000 | 2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,285,000 | 14,549,000 | 14,788,000 | 14,188,000 |
| Total capital | 15,180,000 | 15,471,000 | 15,707,000 | 15,038,000 |
| Risk-weighted assets | 71,607,000 | 73,742,000 | 74,042,000 | 73,223,000 |