Call reports 2015
PATRONS BANK, NATIONAL ASSOCIATION — 2015
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 272,312,000 | 269,885,000 | 269,063,000 | 268,530,000 |
| Total loans | 135,609,000 | 135,788,000 | 139,606,000 | 137,673,000 |
| Allowance for loan losses | 2,230,000 | 2,272,000 | 2,351,000 | 2,097,000 |
| Securities available for sale | 107,463,000 | 108,620,000 | 107,810,000 | 108,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,859,000 | 231,357,000 | 231,285,000 | 228,273,000 |
| Interest-bearing deposits | 190,217,000 | 186,141,000 | 184,825,000 | 181,484,000 |
| Noninterest-bearing deposits | 45,642,000 | 45,216,000 | 46,460,000 | 46,789,000 |
| Equity capital | 33,213,000 | 33,029,000 | 33,942,000 | 32,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,690,000 | 5,384,000 | 8,051,000 | 10,733,000 |
| Interest expense | 208,000 | 413,000 | 619,000 | 827,000 |
| Net interest income | 2,482,000 | 4,971,000 | 7,432,000 | 9,906,000 |
| Noninterest income | 800,000 | 3,295,000 | 4,288,000 | 5,101,000 |
| Noninterest expense | 2,167,000 | 4,419,000 | 6,591,000 | 8,774,000 |
| Provision for loan losses | 92,000 | 182,000 | 273,000 | 364,000 |
| Pretax income | 1,023,000 | 3,666,000 | 4,857,000 | 5,874,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,023,000 | 3,666,000 | 4,857,000 | 5,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,144,000 | 29,852,000 | 30,864,000 | 29,386,000 |
| Total capital | 31,374,000 | 32,124,000 | 33,215,000 | 31,483,000 |
| Risk-weighted assets | 192,225,000 | 191,844,000 | 198,499,000 | 194,642,000 |