Call reports 2024
PATRONS BANK, NATIONAL ASSOCIATION — 2024
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 290,396,000 | 284,495,000 | 286,237,000 | 281,678,000 |
| Total loans | 163,852,000 | 160,704,000 | 165,685,000 | 165,464,000 |
| Allowance for loan losses | 3,386,000 | 3,009,000 | 2,997,000 | 2,806,000 |
| Securities available for sale | 95,944,000 | 95,590,000 | 96,455,000 | 92,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,902,000 | 254,600,000 | 253,322,000 | 250,289,000 |
| Interest-bearing deposits | 206,259,000 | 199,340,000 | 195,945,000 | 191,305,000 |
| Noninterest-bearing deposits | 54,643,000 | 55,260,000 | 57,377,000 | 58,984,000 |
| Equity capital | 25,553,000 | 25,806,000 | 28,557,000 | 26,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,694,000 | 7,394,000 | 11,193,000 | 15,065,000 |
| Interest expense | 1,217,000 | 2,411,000 | 3,653,000 | 4,727,000 |
| Net interest income | 2,477,000 | 4,983,000 | 7,540,000 | 10,338,000 |
| Noninterest income | 698,000 | 1,428,000 | 2,101,000 | 2,796,000 |
| Noninterest expense | 2,439,000 | 4,945,000 | 7,475,000 | 10,019,000 |
| Provision for loan losses | 22,000 | 45,000 | 65,000 | -385,000 |
| Pretax income | 714,000 | 1,421,000 | 2,101,000 | 3,500,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 714,000 | 1,421,000 | 2,101,000 | 3,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,809,000 | 33,068,000 | 33,328,000 | 32,950,000 |
| Total capital | 35,601,000 | 35,808,000 | 36,101,000 | 35,756,000 |
| Risk-weighted assets | 222,840,000 | 218,951,000 | 221,653,000 | 225,414,000 |