Call reports 2016
PATRIOTS BANK — 2016
What PATRIOTS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,664,000 | 96,670,000 | 97,403,000 | 101,100,000 |
| Total loans | 65,525,000 | 66,744,000 | 65,395,000 | 65,285,000 |
| Allowance for loan losses | 880,000 | 922,000 | 974,000 | 835,000 |
| Securities available for sale | 20,953,000 | 20,410,000 | 21,779,000 | 21,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,379,000 | 82,653,000 | 83,765,000 | 87,937,000 |
| Interest-bearing deposits | 67,787,000 | 67,225,000 | 70,311,000 | 72,687,000 |
| Noninterest-bearing deposits | 15,592,000 | 15,428,000 | 13,454,000 | 15,250,000 |
| Equity capital | 9,880,000 | 10,340,000 | 10,397,000 | 10,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,048,000 | 3,094,000 | 4,124,000 |
| Interest expense | 60,000 | 124,000 | 191,000 | 262,000 |
| Net interest income | 963,000 | 1,924,000 | 2,903,000 | 3,862,000 |
| Noninterest income | 133,000 | 274,000 | 439,000 | 533,000 |
| Noninterest expense | 764,000 | 1,546,000 | 2,361,000 | 3,270,000 |
| Provision for loan losses | 6,000 | 5,000 | 4,000 | -170,000 |
| Pretax income | 342,000 | 667,000 | 997,000 | 1,317,000 |
| Income tax | 19,000 | 36,000 | 54,000 | 71,000 |
| Net income | 323,000 | 631,000 | 943,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,548,000 | 9,860,000 | 10,019,000 | 10,325,000 |
| Total capital | 10,386,000 | 10,712,000 | 10,872,000 | 11,160,000 |
| Risk-weighted assets | 66,969,000 | 68,107,000 | 68,159,000 | 68,471,000 |