Call reports 2016
PATRONS BANK, NATIONAL ASSOCIATION — 2016
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,160,000 | 259,848,000 | 249,785,000 | 250,009,000 |
| Total loans | 140,241,000 | 142,146,000 | 139,564,000 | 136,352,000 |
| Allowance for loan losses | 2,219,000 | 2,346,000 | 2,340,000 | 2,168,000 |
| Securities available for sale | 109,114,000 | 94,706,000 | 88,272,000 | 87,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,519,000 | 209,806,000 | 208,437,000 | 215,431,000 |
| Interest-bearing deposits | 185,270,000 | 169,995,000 | 168,626,000 | 167,742,000 |
| Noninterest-bearing deposits | 43,249,000 | 39,811,000 | 39,811,000 | 47,689,000 |
| Equity capital | 33,469,000 | 34,561,000 | 34,556,000 | 31,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,650,000 | 5,354,000 | 7,960,000 | 10,454,000 |
| Interest expense | 218,000 | 440,000 | 672,000 | 906,000 |
| Net interest income | 2,432,000 | 4,914,000 | 7,288,000 | 9,548,000 |
| Noninterest income | 489,000 | 1,011,000 | 1,535,000 | 2,041,000 |
| Noninterest expense | 1,940,000 | 3,919,000 | 5,855,000 | 7,767,000 |
| Provision for loan losses | 89,000 | 179,000 | 270,000 | 360,000 |
| Pretax income | 892,000 | 1,867,000 | 2,775,000 | 3,539,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 892,000 | 1,867,000 | 2,775,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,623,000 | 30,056,000 | 30,424,000 | 29,484,000 |
| Total capital | 31,842,000 | 32,402,000 | 32,764,000 | 31,652,000 |
| Risk-weighted assets | 196,195,000 | 194,094,000 | 189,115,000 | 187,909,000 |