Call reports 2005
PATRIOTS BANK — 2005
What PATRIOTS 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 | 63,876,000 | 64,075,000 | 66,033,000 | 66,188,000 |
| Total loans | 42,172,000 | 43,910,000 | 41,010,000 | 42,231,000 |
| Allowance for loan losses | 409,000 | 400,000 | 423,000 | 402,000 |
| Securities available for sale | 15,177,000 | 14,508,000 | 14,183,000 | 16,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,738,000 | 57,154,000 | 59,590,000 | 59,797,000 |
| Interest-bearing deposits | 52,751,000 | 51,636,000 | 54,147,000 | 54,078,000 |
| Noninterest-bearing deposits | 4,987,000 | 5,518,000 | 5,443,000 | 5,719,000 |
| Equity capital | 5,629,000 | 5,740,000 | 5,753,000 | 5,794,000 |
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 | 796,000 | 1,642,000 | 2,543,000 | 3,484,000 |
| Interest expense | 211,000 | 453,000 | 735,000 | 1,047,000 |
| Net interest income | 585,000 | 1,189,000 | 1,808,000 | 2,437,000 |
| Noninterest income | 124,000 | 272,000 | 419,000 | 553,000 |
| Noninterest expense | 578,000 | 1,187,000 | 1,802,000 | 2,419,000 |
| Provision for loan losses | 0 | 3,000 | 24,000 | 28,000 |
| Pretax income | 131,000 | 271,000 | 401,000 | 543,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 22,000 |
| Net income | 126,000 | 260,000 | 385,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,504,000 | 5,537,000 | 5,606,000 | 5,746,000 |
| Total capital | 5,913,000 | 5,937,000 | 6,029,000 | 6,148,000 |
| Risk-weighted assets | 43,916,000 | 45,210,000 | 43,478,000 | 44,819,000 |