Call reports 2004
PATTERSON STATE BANK — 2004
What PATTERSON STATE BANK 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 | 126,141,000 | 127,394,000 | 131,398,000 | 133,238,000 |
| Total loans | 86,700,000 | 90,789,000 | 95,801,000 | 99,148,000 |
| Allowance for loan losses | 1,243,000 | 1,322,000 | 1,404,000 | 1,386,000 |
| Securities available for sale | 29,486,000 | 26,336,000 | 24,836,000 | 22,991,000 |
| Securities held to maturity | 2,514,000 | 2,449,000 | 2,673,000 | 3,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,963,000 | 103,848,000 | 106,948,000 | 110,032,000 |
| Interest-bearing deposits | 89,093,000 | 89,386,000 | 89,808,000 | 91,947,000 |
| Noninterest-bearing deposits | 13,870,000 | 14,462,000 | 17,140,000 | 18,085,000 |
| Equity capital | 8,462,000 | 8,364,000 | 8,752,000 | 8,869,000 |
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 | 1,751,000 | 3,479,000 | 5,295,000 | 7,188,000 |
| Interest expense | 521,000 | 1,036,000 | 1,590,000 | 2,211,000 |
| Net interest income | 1,230,000 | 2,443,000 | 3,705,000 | 4,977,000 |
| Noninterest income | 256,000 | 431,000 | 634,000 | 851,000 |
| Noninterest expense | 950,000 | 1,927,000 | 2,890,000 | 4,075,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 416,000 | 707,000 | 1,089,000 | 1,273,000 |
| Income tax | 126,000 | 214,000 | 334,000 | 331,000 |
| Net income | 290,000 | 493,000 | 755,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,269,000 | 8,473,000 | 8,741,000 | 8,922,000 |
| Total capital | 9,227,000 | 9,493,000 | 9,821,000 | 10,041,000 |
| Risk-weighted assets | 76,178,000 | 81,163,000 | 85,929,000 | 89,100,000 |