Call reports 2005
PATRIOT BANK — 2005
What PATRIOT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,779,000 | 26,066,000 | 32,232,000 | 43,876,000 |
| Total loans | 11,192,000 | 16,393,000 | 22,040,000 | 29,043,000 |
| Allowance for loan losses | 140,000 | 205,000 | 276,000 | 360,000 |
| Securities available for sale | 4,711,000 | 4,694,000 | 4,501,000 | 4,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,957,000 | 16,429,000 | 22,322,000 | 33,430,000 |
| Interest-bearing deposits | 7,697,000 | 13,037,000 | 17,188,000 | 29,212,000 |
| Noninterest-bearing deposits | 1,260,000 | 3,392,000 | 5,134,000 | 4,218,000 |
| Equity capital | 9,224,000 | 9,136,000 | 9,033,000 | 8,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 467,000 | 899,000 | 1,406,000 |
| Interest expense | 26,000 | 92,000 | 223,000 | 440,000 |
| Net interest income | 190,000 | 375,000 | 676,000 | 966,000 |
| Noninterest income | 2,000 | 28,000 | 56,000 | 87,000 |
| Noninterest expense | 362,000 | 689,000 | 1,084,000 | 1,471,000 |
| Provision for loan losses | 105,000 | 170,000 | 241,000 | 325,000 |
| Pretax income | -275,000 | -456,000 | -593,000 | -743,000 |
| Income tax | -103,000 | -171,000 | -223,000 | -279,000 |
| Net income | -172,000 | -285,000 | -370,000 | -464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,820,000 | 8,678,000 | 8,539,000 | 8,389,000 |
| Total capital | 8,960,000 | 8,883,000 | 8,815,000 | 8,749,000 |
| Risk-weighted assets | 14,041,000 | 18,303,000 | 23,287,000 | 32,189,000 |