Call reports 2009
PATRONS BANK, NATIONAL ASSOCIATION — 2009
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 213,339,000 | 208,907,000 | 199,627,000 | 200,884,000 |
| Total loans | 132,979,000 | 134,707,000 | 132,592,000 | 131,984,000 |
| Allowance for loan losses | 1,849,000 | 1,995,000 | 2,297,000 | 2,479,000 |
| Securities available for sale | 53,047,000 | 51,550,000 | 54,476,000 | 50,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,200,000 | 173,496,000 | 158,406,000 | 164,695,000 |
| Interest-bearing deposits | 146,990,000 | 146,979,000 | 132,032,000 | 137,048,000 |
| Noninterest-bearing deposits | 28,210,000 | 26,517,000 | 26,374,000 | 27,647,000 |
| Equity capital | 25,237,000 | 24,842,000 | 25,307,000 | 24,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,649,000 | 8,453,000 | 11,111,000 |
| Interest expense | 680,000 | 1,266,000 | 1,765,000 | 2,229,000 |
| Net interest income | 2,177,000 | 4,383,000 | 6,688,000 | 8,882,000 |
| Noninterest income | 533,000 | 1,063,000 | 1,543,000 | 2,066,000 |
| Noninterest expense | 1,591,000 | 3,268,000 | 4,798,000 | 6,573,000 |
| Provision for loan losses | 128,000 | 279,000 | 633,000 | 896,000 |
| Pretax income | 991,000 | 1,927,000 | 2,828,000 | 3,507,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 2,000 |
| Net income | 984,000 | 1,912,000 | 2,806,000 | 3,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,721,000 | 21,859,000 | 21,963,000 | 21,753,000 |
| Total capital | 23,570,000 | 23,592,000 | 23,644,000 | 23,526,000 |
| Risk-weighted assets | 150,681,000 | 138,373,000 | 133,831,000 | 141,130,000 |