Call reports 2019
PATRONS BANK, NATIONAL ASSOCIATION — 2019
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 271,032,000 | 272,243,000 | 266,411,000 | 264,690,000 |
| Total loans | 143,962,000 | 147,638,000 | 148,647,000 | 154,742,000 |
| Allowance for loan losses | 2,157,000 | 2,357,000 | 2,400,000 | 2,181,000 |
| Securities available for sale | 101,175,000 | 102,248,000 | 94,868,000 | 87,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,896,000 | 232,704,000 | 216,744,000 | 216,432,000 |
| Interest-bearing deposits | 187,179,000 | 183,915,000 | 170,278,000 | 166,930,000 |
| Noninterest-bearing deposits | 48,717,000 | 48,789,000 | 46,466,000 | 49,502,000 |
| Equity capital | 32,340,000 | 34,441,000 | 35,213,000 | 33,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,869,000 | 5,870,000 | 8,856,000 | 11,796,000 |
| Interest expense | 491,000 | 1,020,000 | 1,584,000 | 2,126,000 |
| Net interest income | 2,378,000 | 4,850,000 | 7,272,000 | 9,670,000 |
| Noninterest income | 432,000 | 902,000 | 1,374,000 | 1,845,000 |
| Noninterest expense | 1,741,000 | 3,526,000 | 5,339,000 | 7,254,000 |
| Provision for loan losses | 59,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 1,010,000 | 2,104,000 | 3,127,000 | 4,026,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,010,000 | 2,104,000 | 3,127,000 | 4,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,747,000 | 31,406,000 | 31,995,000 | 30,629,000 |
| Total capital | 32,904,000 | 33,763,000 | 34,395,000 | 32,810,000 |
| Risk-weighted assets | 203,506,000 | 205,408,000 | 201,923,000 | 217,761,000 |