Call reports 2015
PATRIOTS BANK — 2015
What PATRIOTS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,030,000 | 90,503,000 | 93,814,000 | 93,851,000 |
| Total loans | 58,892,000 | 57,022,000 | 60,259,000 | 62,222,000 |
| Allowance for loan losses | 848,000 | 825,000 | 841,000 | 830,000 |
| Securities available for sale | 25,023,000 | 25,811,000 | 24,278,000 | 21,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,851,000 | 79,191,000 | 79,321,000 | 80,997,000 |
| Interest-bearing deposits | 68,675,000 | 67,991,000 | 66,702,000 | 66,857,000 |
| Noninterest-bearing deposits | 13,176,000 | 11,200,000 | 12,619,000 | 14,140,000 |
| Equity capital | 9,224,000 | 9,256,000 | 9,681,000 | 9,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 916,000 | 1,851,000 | 2,798,000 | 3,773,000 |
| Interest expense | 57,000 | 116,000 | 174,000 | 232,000 |
| Net interest income | 859,000 | 1,735,000 | 2,624,000 | 3,541,000 |
| Noninterest income | 121,000 | 264,000 | 393,000 | 528,000 |
| Noninterest expense | 748,000 | 1,498,000 | 2,237,000 | 2,974,000 |
| Provision for loan losses | 14,000 | 29,000 | 46,000 | 52,000 |
| Pretax income | 220,000 | 474,000 | 736,000 | 1,052,000 |
| Income tax | 12,000 | 25,000 | 39,000 | 57,000 |
| Net income | 208,000 | 449,000 | 697,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,931,000 | 9,173,000 | 9,426,000 | 9,474,000 |
| Total capital | 9,705,000 | 9,924,000 | 10,212,000 | 10,289,000 |
| Risk-weighted assets | 61,846,000 | 59,990,000 | 62,857,000 | 65,179,000 |