Call reports 2014
PATRONS BANK, NATIONAL ASSOCIATION — 2014
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 231,334,000 | 231,784,000 | 267,241,000 | 268,089,000 |
| Total loans | 130,781,000 | 132,798,000 | 142,378,000 | 143,279,000 |
| Allowance for loan losses | 1,780,000 | 2,420,000 | 2,501,000 | 2,131,000 |
| Securities available for sale | 78,904,000 | 77,874,000 | 101,518,000 | 100,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,596,000 | 201,839,000 | 229,633,000 | 228,351,000 |
| Interest-bearing deposits | 162,758,000 | 168,578,000 | 186,350,000 | 183,570,000 |
| Noninterest-bearing deposits | 34,838,000 | 33,261,000 | 43,283,000 | 44,781,000 |
| Equity capital | 25,669,000 | 24,933,000 | 32,452,000 | 32,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,785,000 | 8,338,000 | 11,005,000 |
| Interest expense | 178,000 | 367,000 | 661,000 | 871,000 |
| Net interest income | 2,217,000 | 4,418,000 | 7,677,000 | 10,134,000 |
| Noninterest income | 581,000 | 1,196,000 | 2,158,000 | 2,955,000 |
| Noninterest expense | 1,634,000 | 4,842,000 | 7,326,000 | 9,648,000 |
| Provision for loan losses | 87,000 | 177,000 | 268,000 | 359,000 |
| Pretax income | 1,101,000 | 619,000 | 2,265,000 | 3,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,101,000 | 619,000 | 2,265,000 | 3,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,665,000 | 22,643,000 | 29,152,000 | 28,656,000 |
| Total capital | 25,445,000 | 24,625,000 | 31,361,000 | 30,787,000 |
| Risk-weighted assets | 155,212,000 | 158,118,000 | 176,438,000 | 178,128,000 |