Call reports 2010
PATRONS BANK, NATIONAL ASSOCIATION — 2010
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 213,430,000 | 223,040,000 | 214,578,000 | 217,308,000 |
| Total loans | 129,752,000 | 126,182,000 | 126,096,000 | 127,102,000 |
| Allowance for loan losses | 2,661,000 | 2,507,000 | 2,654,000 | 2,649,000 |
| Securities available for sale | 55,308,000 | 67,389,000 | 72,912,000 | 75,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,423,000 | 183,701,000 | 166,930,000 | 158,406,000 |
| Interest-bearing deposits | 147,094,000 | 153,194,000 | 140,076,000 | 129,154,000 |
| Noninterest-bearing deposits | 26,329,000 | 30,507,000 | 26,854,000 | 29,252,000 |
| Equity capital | 25,466,000 | 25,796,000 | 26,384,000 | 24,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,279,000 | 7,845,000 | 10,640,000 |
| Interest expense | 429,000 | 838,000 | 1,209,000 | 1,569,000 |
| Net interest income | 2,151,000 | 4,441,000 | 6,636,000 | 9,071,000 |
| Noninterest income | 524,000 | 1,070,000 | 1,611,000 | 2,147,000 |
| Noninterest expense | 1,577,000 | 3,246,000 | 4,964,000 | 6,415,000 |
| Provision for loan losses | 222,000 | 546,000 | 773,000 | 1,300,000 |
| Pretax income | 876,000 | 1,720,000 | 2,511,000 | 3,504,000 |
| Income tax | 4,000 | 6,000 | 9,000 | 1,000 |
| Net income | 872,000 | 1,714,000 | 2,502,000 | 3,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,081,000 | 22,378,000 | 22,626,000 | 22,237,000 |
| Total capital | 23,759,000 | 24,159,000 | 24,340,000 | 23,998,000 |
| Risk-weighted assets | 133,287,000 | 141,750,000 | 136,205,000 | 139,963,000 |