Call reports 2004
PATRIOT BANK, NATIONAL ASSOCIATION — 2004
What PATRIOT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 346,626,000 | 353,076,000 | 368,467,000 | 404,566,000 |
| Total loans | 224,268,000 | 228,955,000 | 257,435,000 | 267,356,000 |
| Allowance for loan losses | 3,095,000 | 3,155,000 | 3,382,000 | 3,482,000 |
| Securities available for sale | 101,045,000 | 94,406,000 | 87,846,000 | 87,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,725,000 | 305,808,000 | 331,528,000 | 367,301,000 |
| Interest-bearing deposits | 261,248,000 | 264,948,000 | 290,745,000 | 324,421,000 |
| Noninterest-bearing deposits | 33,477,000 | 40,860,000 | 40,783,000 | 42,880,000 |
| Equity capital | 26,783,000 | 26,147,000 | 26,990,000 | 27,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,308,000 | 8,619,000 | 13,474,000 | 18,678,000 |
| Interest expense | 1,552,000 | 3,078,000 | 4,741,000 | 6,628,000 |
| Net interest income | 2,756,000 | 5,541,000 | 8,733,000 | 12,050,000 |
| Noninterest income | 751,000 | 1,528,000 | 2,143,000 | 2,702,000 |
| Noninterest expense | 2,916,000 | 5,921,000 | 8,969,000 | 12,226,000 |
| Provision for loan losses | 160,000 | 220,000 | 455,000 | 556,000 |
| Pretax income | 431,000 | 928,000 | 1,452,000 | 1,970,000 |
| Income tax | 139,000 | 301,000 | 470,000 | 633,000 |
| Net income | 292,000 | 627,000 | 982,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,824,000 | 26,076,000 | 26,431,000 | 26,642,000 |
| Total capital | 28,919,000 | 29,229,000 | 29,813,000 | 30,124,000 |
| Risk-weighted assets | 251,384,000 | 252,256,000 | 273,863,000 | 286,783,000 |