Call reports 2005
PATTERSON STATE BANK — 2005
What PATTERSON STATE BANK 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 | 135,034,000 | 136,352,000 | 140,282,000 | 149,134,000 |
| Total loans | 100,818,000 | 101,883,000 | 104,284,000 | 105,871,000 |
| Allowance for loan losses | 1,124,000 | 1,029,000 | 1,177,000 | 1,242,000 |
| Securities available for sale | 22,111,000 | 20,857,000 | 19,790,000 | 22,699,000 |
| Securities held to maturity | 3,139,000 | 4,236,000 | 4,120,000 | 6,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,493,000 | 115,527,000 | 118,320,000 | 128,461,000 |
| Interest-bearing deposits | 94,882,000 | 97,636,000 | 97,025,000 | 104,382,000 |
| Noninterest-bearing deposits | 17,611,000 | 17,891,000 | 21,296,000 | 24,079,000 |
| Equity capital | 8,565,000 | 8,995,000 | 9,262,000 | 9,445,000 |
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 | 1,899,000 | 3,899,000 | 5,953,000 | 8,000,000 |
| Interest expense | 650,000 | 1,349,000 | 2,112,000 | 2,927,000 |
| Net interest income | 1,249,000 | 2,550,000 | 3,841,000 | 5,073,000 |
| Noninterest income | 246,000 | 517,000 | 804,000 | 1,258,000 |
| Noninterest expense | 1,015,000 | 2,047,000 | 3,061,000 | 4,358,000 |
| Provision for loan losses | 116,000 | 176,000 | 281,000 | 386,000 |
| Pretax income | 364,000 | 844,000 | 1,303,000 | 1,587,000 |
| Income tax | 107,000 | 251,000 | 391,000 | 425,000 |
| Net income | 257,000 | 593,000 | 912,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,729,000 | 9,065,000 | 9,384,000 | 9,634,000 |
| Total capital | 9,825,000 | 10,096,000 | 10,512,000 | 10,800,000 |
| Risk-weighted assets | 87,483,000 | 87,777,000 | 90,056,000 | 93,039,000 |