Call reports 2007
PATRIOT BANK MINNESOTA — 2007
What PATRIOT BANK MINNESOTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,191,000 | 120,250,000 | 127,356,000 | 126,380,000 |
| Total loans | 100,404,000 | 101,323,000 | 102,378,000 | 102,940,000 |
| Allowance for loan losses | 3,493,000 | 3,534,000 | 913,000 | 943,000 |
| Securities available for sale | 11,664,000 | 11,510,000 | 11,715,000 | 10,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,738,000 | 100,204,000 | 101,360,000 | 96,779,000 |
| Interest-bearing deposits | 86,930,000 | 89,505,000 | 91,289,000 | 87,743,000 |
| Noninterest-bearing deposits | 12,808,000 | 10,699,000 | 10,071,000 | 9,036,000 |
| Equity capital | 15,400,000 | 15,362,000 | 17,044,000 | 17,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,374,000 | 6,680,000 | 8,925,000 |
| Interest expense | 971,000 | 1,977,000 | 3,040,000 | 4,083,000 |
| Net interest income | 1,191,000 | 2,397,000 | 3,640,000 | 4,842,000 |
| Noninterest income | 70,000 | 179,000 | 282,000 | 383,000 |
| Noninterest expense | 767,000 | 1,682,000 | 2,564,000 | 3,539,000 |
| Provision for loan losses | 20,000 | 311,000 | -1,813,000 | -1,782,000 |
| Pretax income | 474,000 | 583,000 | 3,171,000 | 3,468,000 |
| Income tax | 203,000 | 257,000 | 1,283,000 | 1,413,000 |
| Net income | 271,000 | 326,000 | 1,888,000 | 2,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,467,000 | 15,522,000 | 17,083,000 | 17,250,000 |
| Total capital | 16,890,000 | 16,958,000 | 17,996,000 | 18,193,000 |
| Risk-weighted assets | 111,756,000 | 112,809,000 | 116,326,000 | 117,045,000 |