Call reports 2006
PATRONS BANK, NATIONAL ASSOCIATION — 2006
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 119,679,000 | 118,863,000 | 177,480,000 | 182,162,000 |
| Total loans | 72,577,000 | 71,476,000 | 105,292,000 | 110,097,000 |
| Allowance for loan losses | 848,000 | 861,000 | 1,362,000 | 1,346,000 |
| Securities available for sale | 40,812,000 | 40,138,000 | 53,374,000 | 60,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,389,000 | 95,544,000 | 148,559,000 | 150,357,000 |
| Interest-bearing deposits | 74,274,000 | 77,355,000 | 121,201,000 | 123,930,000 |
| Noninterest-bearing deposits | 20,115,000 | 18,189,000 | 27,358,000 | 26,427,000 |
| Equity capital | 13,555,000 | 13,506,000 | 22,145,000 | 22,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,659,000 | 8,339,000 | 11,419,000 |
| Interest expense | 510,000 | 1,085,000 | 2,619,000 | 3,753,000 |
| Net interest income | 1,288,000 | 2,574,000 | 5,720,000 | 7,666,000 |
| Noninterest income | 431,000 | 843,000 | 1,550,000 | 2,041,000 |
| Noninterest expense | 1,080,000 | 2,162,000 | 4,560,000 | 6,140,000 |
| Provision for loan losses | 15,000 | 30,000 | 228,000 | 304,000 |
| Pretax income | 624,000 | 1,226,000 | 2,483,000 | 3,264,000 |
| Income tax | 6,000 | 12,000 | 31,000 | 19,000 |
| Net income | 618,000 | 1,214,000 | 2,452,000 | 3,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,380,000 | 14,549,000 | 21,406,000 | 20,969,000 |
| Total capital | 15,228,000 | 15,410,000 | 22,768,000 | 22,315,000 |
| Risk-weighted assets | 73,984,000 | 73,659,000 | 108,965,000 | 112,915,000 |