Call reports 2012
PATRIOTS BANK — 2012
What PATRIOTS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,868,000 | 93,273,000 | 92,365,000 | 89,631,000 |
| Total loans | 53,308,000 | 53,487,000 | 52,011,000 | 55,331,000 |
| Allowance for loan losses | 885,000 | 740,000 | 740,000 | 958,000 |
| Securities available for sale | 29,104,000 | 29,392,000 | 29,119,000 | 25,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,740,000 | 83,388,000 | 82,846,000 | 80,428,000 |
| Interest-bearing deposits | 70,709,000 | 70,518,000 | 69,898,000 | 65,529,000 |
| Noninterest-bearing deposits | 13,031,000 | 12,870,000 | 12,948,000 | 14,899,000 |
| Equity capital | 8,491,000 | 8,536,000 | 8,775,000 | 8,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,869,000 | 2,827,000 | 3,761,000 |
| Interest expense | 133,000 | 263,000 | 377,000 | 469,000 |
| Net interest income | 812,000 | 1,606,000 | 2,450,000 | 3,292,000 |
| Noninterest income | 128,000 | 229,000 | 395,000 | 523,000 |
| Noninterest expense | 852,000 | 1,645,000 | 2,430,000 | 3,204,000 |
| Provision for loan losses | 156,000 | 224,000 | 225,000 | 443,000 |
| Pretax income | -68,000 | -34,000 | 207,000 | 221,000 |
| Income tax | 5,000 | -2,000 | 9,000 | 18,000 |
| Net income | -73,000 | -32,000 | 198,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,862,000 | 7,909,000 | 8,144,000 | 8,156,000 |
| Total capital | 8,576,000 | 8,621,000 | 8,838,000 | 8,873,000 |
| Risk-weighted assets | 56,998,000 | 56,904,000 | 55,496,000 | 57,549,000 |