Call reports 2008
PATRONS BANK, NATIONAL ASSOCIATION — 2008
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 201,810,000 | 193,726,000 | 188,647,000 | 204,479,000 |
| Total loans | 117,830,000 | 117,170,000 | 117,123,000 | 131,030,000 |
| Allowance for loan losses | 1,370,000 | 1,546,000 | 1,595,000 | 1,740,000 |
| Securities available for sale | 73,027,000 | 62,166,000 | 59,411,000 | 57,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,810,000 | 156,402,000 | 154,248,000 | 159,539,000 |
| Interest-bearing deposits | 129,342,000 | 125,628,000 | 127,308,000 | 130,217,000 |
| Noninterest-bearing deposits | 28,468,000 | 30,774,000 | 26,940,000 | 29,322,000 |
| Equity capital | 25,204,000 | 24,254,000 | 25,275,000 | 25,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,222,000 | 9,198,000 | 12,051,000 |
| Interest expense | 1,106,000 | 1,996,000 | 2,772,000 | 3,510,000 |
| Net interest income | 2,097,000 | 4,226,000 | 6,426,000 | 8,541,000 |
| Noninterest income | 659,000 | 1,352,000 | 1,970,000 | 2,627,000 |
| Noninterest expense | 1,525,000 | 3,103,000 | 4,751,000 | 6,494,000 |
| Provision for loan losses | 45,000 | 240,000 | 285,000 | 580,000 |
| Pretax income | 1,203,000 | 2,333,000 | 3,458,000 | 4,192,000 |
| Income tax | 2,000 | 5,000 | 23,000 | 44,000 |
| Net income | 1,201,000 | 2,328,000 | 3,435,000 | 4,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,908,000 | 22,427,000 | 22,924,000 | 21,526,000 |
| Total capital | 23,278,000 | 23,973,000 | 24,484,000 | 23,257,000 |
| Risk-weighted assets | 127,774,000 | 128,905,000 | 124,745,000 | 138,449,000 |