Call reports 2007
PATRIOT BANK — 2007
What PATRIOT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 71,928,000 | 87,759,000 | 94,029,000 | 91,220,000 |
| Total loans | 44,361,000 | 51,273,000 | 56,974,000 | 63,765,000 |
| Allowance for loan losses | 579,000 | 639,000 | 1,502,000 | 686,000 |
| Securities available for sale | 6,568,000 | 8,419,000 | 10,464,000 | 10,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,154,000 | 68,967,000 | 74,690,000 | 73,449,000 |
| Interest-bearing deposits | 46,284,000 | 57,892,000 | 66,509,000 | 63,593,000 |
| Noninterest-bearing deposits | 8,870,000 | 11,075,000 | 8,181,000 | 9,856,000 |
| Equity capital | 14,740,000 | 14,537,000 | 13,878,000 | 13,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,331,000 | 3,757,000 | 5,213,000 |
| Interest expense | 457,000 | 1,108,000 | 1,858,000 | 2,647,000 |
| Net interest income | 612,000 | 1,223,000 | 1,899,000 | 2,566,000 |
| Noninterest income | 54,000 | 114,000 | 147,000 | 184,000 |
| Noninterest expense | 729,000 | 1,612,000 | 2,584,000 | 3,598,000 |
| Provision for loan losses | 45,000 | 105,000 | 968,000 | 1,118,000 |
| Pretax income | -108,000 | -380,000 | -1,506,000 | -1,966,000 |
| Income tax | -40,000 | -141,000 | -546,000 | -707,000 |
| Net income | -68,000 | -239,000 | -960,000 | -1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,067,000 | 13,795,000 | 12,680,000 | 12,261,000 |
| Total capital | 14,646,000 | 14,434,000 | 13,527,000 | 12,947,000 |
| Risk-weighted assets | 53,969,000 | 60,698,000 | 66,596,000 | 71,971,000 |