Call reports 2004
PATRIOT BANK MINNESOTA — 2004
What PATRIOT BANK MINNESOTA 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 | 81,031,000 | 85,373,000 | 89,968,000 | 94,379,000 |
| Total loans | 67,754,000 | 70,800,000 | 72,167,000 | 79,667,000 |
| Allowance for loan losses | 573,000 | 597,000 | 672,000 | 672,000 |
| Securities available for sale | 6,624,000 | 6,400,000 | 8,578,000 | 8,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,966,000 | 68,535,000 | 77,374,000 | 81,714,000 |
| Interest-bearing deposits | 57,844,000 | 57,022,000 | 64,845,000 | 67,254,000 |
| Noninterest-bearing deposits | 12,122,000 | 11,513,000 | 12,529,000 | 14,460,000 |
| Equity capital | 8,282,000 | 8,278,000 | 8,595,000 | 8,853,000 |
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 | 1,216,000 | 2,475,000 | 3,799,000 | 5,261,000 |
| Interest expense | 367,000 | 739,000 | 1,143,000 | 1,610,000 |
| Net interest income | 849,000 | 1,736,000 | 2,656,000 | 3,651,000 |
| Noninterest income | 69,000 | 135,000 | 203,000 | 273,000 |
| Noninterest expense | 576,000 | 1,178,000 | 1,829,000 | 2,465,000 |
| Provision for loan losses | 57,000 | 81,000 | 156,000 | 156,000 |
| Pretax income | 285,000 | 612,000 | 874,000 | 1,303,000 |
| Income tax | 122,000 | 263,000 | 376,000 | 525,000 |
| Net income | 163,000 | 349,000 | 498,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,236,000 | 8,421,000 | 8,570,000 | 8,850,000 |
| Total capital | 8,809,000 | 9,018,000 | 9,242,000 | 9,522,000 |
| Risk-weighted assets | 76,175,000 | 79,940,000 | 82,765,000 | 89,773,000 |