Call reports 2013
PATRONS BANK, NATIONAL ASSOCIATION — 2013
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 223,252,000 | 229,725,000 | 234,488,000 | 238,808,000 |
| Total loans | 127,307,000 | 131,887,000 | 130,402,000 | 131,913,000 |
| Allowance for loan losses | 2,993,000 | 3,051,000 | 2,975,000 | 1,699,000 |
| Securities available for sale | 73,668,000 | 76,516,000 | 79,554,000 | 80,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,367,000 | 197,541,000 | 204,740,000 | 196,476,000 |
| Interest-bearing deposits | 163,151,000 | 165,736,000 | 171,593,000 | 155,641,000 |
| Noninterest-bearing deposits | 30,216,000 | 31,805,000 | 33,147,000 | 40,835,000 |
| Equity capital | 26,976,000 | 26,019,000 | 26,289,000 | 24,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,299,000 | 4,606,000 | 7,069,000 | 9,518,000 |
| Interest expense | 188,000 | 369,000 | 549,000 | 727,000 |
| Net interest income | 2,111,000 | 4,237,000 | 6,520,000 | 8,791,000 |
| Noninterest income | 657,000 | 1,296,000 | 2,034,000 | 2,691,000 |
| Noninterest expense | 1,605,000 | 3,286,000 | 4,857,000 | 6,676,000 |
| Provision for loan losses | 137,000 | 196,000 | 256,000 | 316,000 |
| Pretax income | 1,026,000 | 2,051,000 | 3,441,000 | 4,490,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 4,000 |
| Net income | 1,025,000 | 2,049,000 | 3,437,000 | 4,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,236,000 | 23,846,000 | 24,694,000 | 23,105,000 |
| Total capital | 25,119,000 | 25,790,000 | 26,681,000 | 24,804,000 |
| Risk-weighted assets | 149,516,000 | 154,410,000 | 157,966,000 | 163,797,000 |