Call reports 2006
PATRIOT BANK — 2006
What PATRIOT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,131,000 | 54,044,000 | 55,743,000 | 61,251,000 |
| Total loans | 34,343,000 | 37,618,000 | 40,565,000 | 42,247,000 |
| Allowance for loan losses | 430,000 | 472,000 | 506,000 | 534,000 |
| Securities available for sale | 4,372,000 | 4,273,000 | 5,140,000 | 5,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,296,000 | 44,331,000 | 41,480,000 | 44,385,000 |
| Interest-bearing deposits | 30,645,000 | 37,068,000 | 35,273,000 | 37,225,000 |
| Noninterest-bearing deposits | 8,651,000 | 7,263,000 | 6,207,000 | 7,160,000 |
| Equity capital | 8,814,000 | 8,768,000 | 12,228,000 | 14,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,470,000 | 2,350,000 | 3,330,000 |
| Interest expense | 286,000 | 634,000 | 1,024,000 | 1,419,000 |
| Net interest income | 369,000 | 836,000 | 1,326,000 | 1,911,000 |
| Noninterest income | 52,000 | 91,000 | 150,000 | 220,000 |
| Noninterest expense | 518,000 | 1,038,000 | 1,573,000 | 2,145,000 |
| Provision for loan losses | 70,000 | 112,000 | 146,000 | 174,000 |
| Pretax income | -167,000 | -223,000 | -243,000 | -188,000 |
| Income tax | -62,000 | -83,000 | -90,000 | -67,000 |
| Net income | -105,000 | -140,000 | -153,000 | -121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,223,000 | 8,167,000 | 11,585,000 | 14,174,000 |
| Total capital | 8,653,000 | 8,639,000 | 12,091,000 | 14,708,000 |
| Risk-weighted assets | 37,249,000 | 41,467,000 | 46,645,000 | 49,451,000 |