Call reports 2005
PATRIOT BANK, NATIONAL ASSOCIATION — 2005
What PATRIOT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 413,193,000 | 415,267,000 | 455,141,000 | 470,194,000 |
| Total loans | 297,269,000 | 304,502,000 | 345,181,000 | 368,832,000 |
| Allowance for loan losses | 3,742,000 | 3,842,000 | 4,192,000 | 4,588,000 |
| Securities available for sale | 90,979,000 | 84,078,000 | 86,237,000 | 80,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,454,000 | 367,477,000 | 410,248,000 | 419,467,000 |
| Interest-bearing deposits | 326,795,000 | 326,898,000 | 364,913,000 | 370,278,000 |
| Noninterest-bearing deposits | 39,659,000 | 40,580,000 | 45,335,000 | 49,189,000 |
| Equity capital | 26,910,000 | 27,583,000 | 38,508,000 | 38,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,594,000 | 11,404,000 | 17,843,000 | 25,149,000 |
| Interest expense | 2,064,000 | 4,252,000 | 6,848,000 | 9,742,000 |
| Net interest income | 3,530,000 | 7,152,000 | 10,995,000 | 15,407,000 |
| Noninterest income | 711,000 | 1,532,000 | 2,517,000 | 3,229,000 |
| Noninterest expense | 3,376,000 | 6,993,000 | 10,855,000 | 14,605,000 |
| Provision for loan losses | 260,000 | 360,000 | 710,000 | 1,110,000 |
| Pretax income | 605,000 | 1,331,000 | 1,947,000 | 2,921,000 |
| Income tax | 195,000 | 434,000 | 625,000 | 957,000 |
| Net income | 410,000 | 897,000 | 1,322,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,910,000 | 27,223,000 | 38,433,000 | 38,865,000 |
| Total capital | 30,607,000 | 30,971,000 | 42,459,000 | 43,180,000 |
| Risk-weighted assets | 295,704,000 | 299,737,000 | 321,942,000 | 344,962,000 |