Call reports 2023
PATRONS BANK, NATIONAL ASSOCIATION — 2023
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 292,627,000 | 281,422,000 | 285,617,000 | 284,363,000 |
| Total loans | 160,955,000 | 156,362,000 | 166,582,000 | 162,494,000 |
| Allowance for loan losses | 3,342,000 | 3,458,000 | 3,472,000 | 3,350,000 |
| Securities available for sale | 102,276,000 | 99,447,000 | 95,769,000 | 96,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,013,000 | 252,390,000 | 249,113,000 | 253,228,000 |
| Interest-bearing deposits | 191,931,000 | 184,884,000 | 180,540,000 | 194,342,000 |
| Noninterest-bearing deposits | 72,082,000 | 67,506,000 | 68,573,000 | 58,886,000 |
| Equity capital | 24,860,000 | 24,878,000 | 23,966,000 | 25,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,249,000 | 6,667,000 | 10,131,000 | 13,815,000 |
| Interest expense | 497,000 | 1,132,000 | 1,939,000 | 3,126,000 |
| Net interest income | 2,752,000 | 5,535,000 | 8,192,000 | 10,689,000 |
| Noninterest income | 650,000 | 1,308,000 | 2,219,000 | 2,900,000 |
| Noninterest expense | 2,284,000 | 4,575,000 | 6,868,000 | 9,144,000 |
| Provision for loan losses | 103,000 | 208,000 | 231,000 | 253,000 |
| Pretax income | 1,015,000 | 2,060,000 | 3,312,000 | 4,192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,015,000 | 2,060,000 | 3,312,000 | 4,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,656,000 | 33,267,000 | 34,084,000 | 32,530,000 |
| Total capital | 35,430,000 | 35,939,000 | 36,886,000 | 35,277,000 |
| Risk-weighted assets | 221,385,000 | 212,974,000 | 223,528,000 | 219,231,000 |