Call reports 2011
PATRONS BANK, NATIONAL ASSOCIATION — 2011
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 213,932,000 | 218,031,000 | 230,644,000 | 223,047,000 |
| Total loans | 122,156,000 | 120,073,000 | 122,969,000 | 123,358,000 |
| Allowance for loan losses | 2,842,000 | 2,878,000 | 2,681,000 | 2,642,000 |
| Securities available for sale | 71,473,000 | 77,153,000 | 83,814,000 | 77,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,420,000 | 180,371,000 | 170,571,000 | 183,173,000 |
| Interest-bearing deposits | 145,895,000 | 150,410,000 | 138,884,000 | 152,002,000 |
| Noninterest-bearing deposits | 30,525,000 | 29,961,000 | 31,687,000 | 31,171,000 |
| Equity capital | 25,300,000 | 25,998,000 | 27,141,000 | 26,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,471,000 | 4,875,000 | 7,361,000 | 9,787,000 |
| Interest expense | 346,000 | 666,000 | 977,000 | 1,256,000 |
| Net interest income | 2,125,000 | 4,209,000 | 6,384,000 | 8,531,000 |
| Noninterest income | 714,000 | 1,323,000 | 1,892,000 | 2,647,000 |
| Noninterest expense | 1,584,000 | 3,206,000 | 4,847,000 | 6,675,000 |
| Provision for loan losses | 222,000 | 446,000 | 673,000 | 1,050,000 |
| Pretax income | 1,033,000 | 1,880,000 | 2,815,000 | 3,542,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 0 |
| Net income | 1,031,000 | 1,877,000 | 2,811,000 | 3,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,729,000 | 23,035,000 | 23,428,000 | 22,594,000 |
| Total capital | 24,500,000 | 24,797,000 | 25,305,000 | 24,448,000 |
| Risk-weighted assets | 140,600,000 | 139,876,000 | 149,333,000 | 147,491,000 |