Call reports 2009
PATRIOT BANK — 2009
What PATRIOT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 118,314,000 | 126,362,000 | 128,409,000 | 130,848,000 |
| Total loans | 83,463,000 | 95,073,000 | 104,841,000 | 101,698,000 |
| Allowance for loan losses | 1,960,000 | 2,003,000 | 2,952,000 | 2,301,000 |
| Securities available for sale | 8,186,000 | 8,822,000 | 8,460,000 | 6,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,833,000 | 102,719,000 | 106,687,000 | 107,262,000 |
| Interest-bearing deposits | 88,670,000 | 95,434,000 | 98,379,000 | 96,666,000 |
| Noninterest-bearing deposits | 7,164,000 | 7,285,000 | 8,308,000 | 10,597,000 |
| Equity capital | 11,561,000 | 11,750,000 | 11,375,000 | 11,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,870,000 | 4,415,000 | 6,107,000 |
| Interest expense | 610,000 | 1,239,000 | 1,859,000 | 2,479,000 |
| Net interest income | 797,000 | 1,631,000 | 2,556,000 | 3,628,000 |
| Noninterest income | 21,000 | 163,000 | 222,000 | 277,000 |
| Noninterest expense | 1,085,000 | 2,262,000 | 3,365,000 | 4,493,000 |
| Provision for loan losses | 64,000 | 221,000 | 1,420,000 | 1,920,000 |
| Pretax income | -331,000 | -689,000 | -2,007,000 | -2,351,000 |
| Income tax | -120,000 | -242,000 | -730,000 | -852,000 |
| Net income | -211,000 | -447,000 | -1,277,000 | -1,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,651,000 | 8,830,000 | 7,940,000 | 7,584,000 |
| Total capital | 9,840,000 | 10,158,000 | 9,342,000 | 8,999,000 |
| Risk-weighted assets | 94,465,000 | 105,455,000 | 112,201,000 | 110,508,000 |