Call reports 2009
PATRIOT BANK MINNESOTA — 2009
What PATRIOT BANK MINNESOTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 137,562,000 | 137,195,000 | 140,915,000 | 138,842,000 |
| Total loans | 108,718,000 | 109,950,000 | 115,520,000 | 113,390,000 |
| Allowance for loan losses | 1,049,000 | 1,396,000 | 1,751,000 | 4,133,000 |
| Securities available for sale | 11,967,000 | 11,902,000 | 11,984,000 | 12,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,377,000 | 116,308,000 | 115,702,000 | 122,731,000 |
| Interest-bearing deposits | 108,285,000 | 107,069,000 | 106,053,000 | 113,222,000 |
| Noninterest-bearing deposits | 8,092,000 | 9,239,000 | 9,649,000 | 9,509,000 |
| Equity capital | 17,334,000 | 17,006,000 | 16,620,000 | 14,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,882,000 | 3,643,000 | 5,464,000 | 7,240,000 |
| Interest expense | 934,000 | 1,845,000 | 2,706,000 | 3,524,000 |
| Net interest income | 948,000 | 1,798,000 | 2,758,000 | 3,716,000 |
| Noninterest income | 80,000 | 158,000 | 279,000 | 335,000 |
| Noninterest expense | 1,090,000 | 2,248,000 | 3,811,000 | 5,116,000 |
| Provision for loan losses | 544,000 | 816,000 | 1,316,000 | 4,523,000 |
| Pretax income | -606,000 | -1,106,000 | -2,088,000 | -5,585,000 |
| Income tax | -259,000 | -472,000 | -892,000 | -2,396,000 |
| Net income | -347,000 | -634,000 | -1,196,000 | -3,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,251,000 | 16,963,000 | 16,401,000 | 12,857,000 |
| Total capital | 18,300,000 | 18,359,000 | 18,079,000 | 14,523,000 |
| Risk-weighted assets | 126,318,000 | 127,210,000 | 134,180,000 | 130,803,000 |