Call reports 2007
PATRONS BANK, NATIONAL ASSOCIATION — 2007
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 182,126,000 | 185,624,000 | 194,423,000 | 200,476,000 |
| Total loans | 108,320,000 | 111,446,000 | 116,120,000 | 115,075,000 |
| Allowance for loan losses | 1,299,000 | 1,325,000 | 1,403,000 | 1,337,000 |
| Securities available for sale | 61,065,000 | 63,038,000 | 66,011,000 | 72,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,819,000 | 151,701,000 | 148,855,000 | 150,702,000 |
| Interest-bearing deposits | 126,089,000 | 125,962,000 | 122,666,000 | 122,217,000 |
| Noninterest-bearing deposits | 24,730,000 | 25,739,000 | 26,189,000 | 28,485,000 |
| Equity capital | 22,578,000 | 22,196,000 | 23,766,000 | 23,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,096,000 | 6,237,000 | 9,919,000 | 13,183,000 |
| Interest expense | 1,155,000 | 2,359,000 | 3,602,000 | 4,826,000 |
| Net interest income | 1,941,000 | 3,878,000 | 6,317,000 | 8,357,000 |
| Noninterest income | 547,000 | 1,070,000 | 1,620,000 | 2,224,000 |
| Noninterest expense | 1,548,000 | 3,148,000 | 4,767,000 | 6,305,000 |
| Provision for loan losses | 30,000 | 60,000 | 85,000 | 85,000 |
| Pretax income | 910,000 | 1,740,000 | 3,085,000 | 4,100,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 9,000 |
| Net income | 904,000 | 1,728,000 | 3,067,000 | 4,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,354,000 | 21,540,000 | 22,233,000 | 21,327,000 |
| Total capital | 22,653,000 | 22,865,000 | 23,636,000 | 22,664,000 |
| Risk-weighted assets | 112,178,000 | 115,158,000 | 125,552,000 | 126,984,000 |