Call reports 2006
PATRIOTS BANK — 2006
What PATRIOTS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 69,139,000 | 78,717,000 | 79,138,000 | 77,910,000 |
| Total loans | 43,573,000 | 47,806,000 | 44,328,000 | 44,330,000 |
| Allowance for loan losses | 407,000 | 404,000 | 414,000 | 400,000 |
| Securities available for sale | 17,332,000 | 21,267,000 | 23,519,000 | 23,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,631,000 | 72,198,000 | 72,125,000 | 70,816,000 |
| Interest-bearing deposits | 56,098,000 | 64,714,000 | 63,636,000 | 62,928,000 |
| Noninterest-bearing deposits | 6,533,000 | 7,484,000 | 8,490,000 | 7,888,000 |
| Equity capital | 5,916,000 | 5,835,000 | 6,267,000 | 6,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 987,000 | 2,171,000 | 3,396,000 | 4,642,000 |
| Interest expense | 344,000 | 766,000 | 1,260,000 | 1,754,000 |
| Net interest income | 643,000 | 1,405,000 | 2,136,000 | 2,888,000 |
| Noninterest income | 135,000 | 321,000 | 520,000 | 692,000 |
| Noninterest expense | 599,000 | 1,303,000 | 2,019,000 | 2,725,000 |
| Provision for loan losses | 3,000 | 39,000 | 49,000 | 48,000 |
| Pretax income | 176,000 | 384,000 | 588,000 | 807,000 |
| Income tax | -24,000 | -15,000 | -6,000 | 3,000 |
| Net income | 200,000 | 399,000 | 594,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,920,000 | 6,058,000 | 6,163,000 | 6,379,000 |
| Total capital | 6,327,000 | 6,462,000 | 6,577,000 | 6,779,000 |
| Risk-weighted assets | 46,571,000 | 52,251,000 | 49,905,000 | 49,751,000 |