Call reports 2012
PATRONS BANK, NATIONAL ASSOCIATION — 2012
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 219,012,000 | 235,807,000 | 240,782,000 | 230,262,000 |
| Total loans | 123,008,000 | 128,079,000 | 125,701,000 | 128,644,000 |
| Allowance for loan losses | 2,725,000 | 2,864,000 | 3,013,000 | 2,681,000 |
| Securities available for sale | 75,178,000 | 75,246,000 | 79,637,000 | 77,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,525,000 | 205,384,000 | 209,622,000 | 191,926,000 |
| Interest-bearing deposits | 155,403,000 | 174,542,000 | 180,603,000 | 161,685,000 |
| Noninterest-bearing deposits | 29,122,000 | 30,842,000 | 29,019,000 | 30,241,000 |
| Equity capital | 26,720,000 | 27,538,000 | 28,088,000 | 26,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,383,000 | 4,771,000 | 7,175,000 | 9,560,000 |
| Interest expense | 240,000 | 467,000 | 676,000 | 873,000 |
| Net interest income | 2,143,000 | 4,304,000 | 6,499,000 | 8,687,000 |
| Noninterest income | 567,000 | 1,205,000 | 1,918,000 | 2,605,000 |
| Noninterest expense | 1,670,000 | 3,413,000 | 5,201,000 | 7,026,000 |
| Provision for loan losses | 167,000 | 318,000 | 472,000 | 900,000 |
| Pretax income | 873,000 | 1,778,000 | 2,744,000 | 3,366,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 1,000 |
| Net income | 872,000 | 1,776,000 | 2,740,000 | 3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,927,000 | 23,291,000 | 23,715,000 | 22,750,000 |
| Total capital | 24,740,000 | 25,307,000 | 25,793,000 | 24,682,000 |
| Risk-weighted assets | 144,166,000 | 160,393,000 | 165,296,000 | 153,790,000 |