Call reports 2020
PATRONS BANK, NATIONAL ASSOCIATION — 2020
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 260,295,000 | 282,285,000 | 263,105,000 | 265,005,000 |
| Total loans | 155,970,000 | 160,280,000 | 159,288,000 | 153,914,000 |
| Allowance for loan losses | 2,436,000 | 2,513,000 | 2,600,000 | 2,479,000 |
| Securities available for sale | 83,647,000 | 86,094,000 | 82,060,000 | 81,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,127,000 | 234,538,000 | 214,701,000 | 221,202,000 |
| Interest-bearing deposits | 175,056,000 | 174,369,000 | 157,919,000 | 161,552,000 |
| Noninterest-bearing deposits | 47,071,000 | 60,169,000 | 56,782,000 | 59,650,000 |
| Equity capital | 33,081,000 | 36,122,000 | 36,557,000 | 35,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,877,000 | 5,579,000 | 8,224,000 | 10,841,000 |
| Interest expense | 493,000 | 846,000 | 1,110,000 | 1,334,000 |
| Net interest income | 2,384,000 | 4,733,000 | 7,114,000 | 9,507,000 |
| Noninterest income | 483,000 | 918,000 | 1,426,000 | 2,074,000 |
| Noninterest expense | 1,821,000 | 3,684,000 | 5,554,000 | 7,330,000 |
| Provision for loan losses | 162,000 | 307,000 | 490,000 | 858,000 |
| Pretax income | 884,000 | 1,660,000 | 2,496,000 | 3,393,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 884,000 | 1,660,000 | 2,496,000 | 3,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,078,000 | 31,420,000 | 31,870,000 | 31,053,000 |
| Total capital | 33,514,000 | 33,933,000 | 34,431,000 | 33,532,000 |
| Risk-weighted assets | 206,743,000 | 212,195,000 | 204,833,000 | 201,257,000 |