Call reports 2009
PATRIOTS BANK — 2009
What PATRIOTS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,806,000 | 100,177,000 | 98,673,000 | 95,022,000 |
| Total loans | 74,195,000 | 74,630,000 | 71,955,000 | 69,233,000 |
| Allowance for loan losses | 1,226,000 | 1,004,000 | 976,000 | 954,000 |
| Securities available for sale | 12,872,000 | 12,724,000 | 12,125,000 | 13,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,048,000 | 85,300,000 | 83,872,000 | 83,257,000 |
| Interest-bearing deposits | 74,974,000 | 75,010,000 | 73,349,000 | 72,734,000 |
| Noninterest-bearing deposits | 10,074,000 | 10,290,000 | 10,523,000 | 10,523,000 |
| Equity capital | 7,042,000 | 7,276,000 | 7,653,000 | 7,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 2,775,000 | 4,079,000 | 5,305,000 |
| Interest expense | 465,000 | 890,000 | 1,276,000 | 1,604,000 |
| Net interest income | 971,000 | 1,885,000 | 2,803,000 | 3,701,000 |
| Noninterest income | 227,000 | 551,000 | 844,000 | 1,126,000 |
| Noninterest expense | 1,024,000 | 2,074,000 | 3,063,000 | 3,991,000 |
| Provision for loan losses | 100,000 | 108,000 | 102,000 | 121,000 |
| Pretax income | 173,000 | 353,000 | 581,000 | 814,000 |
| Income tax | -18,000 | -43,000 | -6,000 | 3,000 |
| Net income | 191,000 | 396,000 | 587,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,400,000 | 6,633,000 | 6,829,000 | 7,068,000 |
| Total capital | 7,339,000 | 7,580,000 | 7,723,000 | 7,935,000 |
| Risk-weighted assets | 74,832,000 | 75,736,000 | 71,472,000 | 69,303,000 |