Call reports 2008
PATTERSON STATE BANK — 2008
What PATTERSON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 181,466,000 | 194,076,000 | 199,161,000 | 235,412,000 |
| Total loans | 123,400,000 | 131,420,000 | 138,883,000 | 145,145,000 |
| Allowance for loan losses | 1,021,000 | 1,239,000 | 1,426,000 | 1,204,000 |
| Securities available for sale | 28,329,000 | 25,692,000 | 25,980,000 | 24,139,000 |
| Securities held to maturity | 16,851,000 | 21,814,000 | 22,794,000 | 22,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,193,000 | 168,230,000 | 173,385,000 | 206,616,000 |
| Interest-bearing deposits | 134,932,000 | 137,360,000 | 143,891,000 | 173,190,000 |
| Noninterest-bearing deposits | 30,261,000 | 30,870,000 | 29,494,000 | 33,426,000 |
| Equity capital | 12,762,000 | 17,548,000 | 17,813,000 | 15,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,769,000 | 5,437,000 | 8,283,000 | 11,119,000 |
| Interest expense | 1,109,000 | 2,208,000 | 3,365,000 | 4,529,000 |
| Net interest income | 1,660,000 | 3,229,000 | 4,918,000 | 6,590,000 |
| Noninterest income | 432,000 | 911,000 | 1,308,000 | 1,410,000 |
| Noninterest expense | 1,421,000 | 2,896,000 | 4,426,000 | 6,005,000 |
| Provision for loan losses | 0 | 594,000 | 829,000 | 4,240,000 |
| Pretax income | 671,000 | 650,000 | 971,000 | -2,245,000 |
| Income tax | 170,000 | 94,000 | 127,000 | -767,000 |
| Net income | 501,000 | 556,000 | 844,000 | -1,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,494,000 | 17,549,000 | 17,777,000 | 15,407,000 |
| Total capital | 13,515,000 | 18,788,000 | 19,203,000 | 16,611,000 |
| Risk-weighted assets | 106,739,000 | 118,949,000 | 123,017,000 | 130,746,000 |