Call reports 2004
PATRIOTS BANK — 2004
What PATRIOTS 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 | 65,036,000 | 66,460,000 | 65,421,000 | 62,271,000 |
| Total loans | 41,363,000 | 43,952,000 | 43,748,000 | 41,786,000 |
| Allowance for loan losses | 438,000 | 431,000 | 437,000 | 423,000 |
| Securities available for sale | 18,848,000 | 17,251,000 | 16,321,000 | 14,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,764,000 | 57,195,000 | 55,968,000 | 55,855,000 |
| Interest-bearing deposits | 53,826,000 | 52,307,000 | 51,139,000 | 50,803,000 |
| Noninterest-bearing deposits | 4,938,000 | 4,887,000 | 4,829,000 | 5,052,000 |
| Equity capital | 5,744,000 | 5,606,000 | 5,850,000 | 5,937,000 |
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 | 781,000 | 1,566,000 | 2,370,000 | 3,149,000 |
| Interest expense | 192,000 | 375,000 | 570,000 | 773,000 |
| Net interest income | 589,000 | 1,191,000 | 1,800,000 | 2,376,000 |
| Noninterest income | 126,000 | 270,000 | 407,000 | 538,000 |
| Noninterest expense | 639,000 | 1,231,000 | 1,819,000 | 2,352,000 |
| Provision for loan losses | 5,000 | 14,000 | 29,000 | 50,000 |
| Pretax income | 71,000 | 216,000 | 359,000 | 512,000 |
| Income tax | -37,000 | -31,000 | -25,000 | -19,000 |
| Net income | 108,000 | 247,000 | 384,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,260,000 | 5,404,000 | 5,547,000 | 5,701,000 |
| Total capital | 5,698,000 | 5,835,000 | 5,984,000 | 6,124,000 |
| Risk-weighted assets | 42,854,000 | 44,882,000 | 44,665,000 | 43,675,000 |