Call reports 2005
PATRIOTS BANK — 2005
What PATRIOTS 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 | 31,993,000 | 34,521,000 | 40,092,000 | 39,958,000 |
| Total loans | 19,255,000 | 20,279,000 | 26,719,000 | 27,414,000 |
| Allowance for loan losses | 245,000 | 257,000 | 284,000 | 296,000 |
| Securities available for sale | 10,309,000 | 10,558,000 | 10,388,000 | 10,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,947,000 | 27,538,000 | 32,488,000 | 29,139,000 |
| Interest-bearing deposits | 17,527,000 | 21,169,000 | 24,077,000 | 20,509,000 |
| Noninterest-bearing deposits | 8,420,000 | 6,369,000 | 8,411,000 | 8,630,000 |
| Equity capital | 5,072,000 | 6,244,000 | 6,172,000 | 6,226,000 |
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 | 483,000 | 985,000 | 1,635,000 | 2,310,000 |
| Interest expense | 109,000 | 219,000 | 377,000 | 574,000 |
| Net interest income | 374,000 | 766,000 | 1,258,000 | 1,736,000 |
| Noninterest income | 13,000 | 31,000 | 54,000 | 77,000 |
| Noninterest expense | 313,000 | 744,000 | 1,148,000 | 1,611,000 |
| Provision for loan losses | 12,000 | 24,000 | 51,000 | 63,000 |
| Pretax income | 63,000 | 30,000 | 114,000 | 140,000 |
| Income tax | 11,000 | 8,000 | 20,000 | -30,000 |
| Net income | 61,000 | 22,000 | 94,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,445,000 | 6,406,000 | 6,478,000 | 6,553,000 |
| Total capital | 5,652,000 | 6,633,000 | 6,762,000 | 6,849,000 |
| Risk-weighted assets | 16,548,000 | 18,093,000 | 24,123,000 | 30,618,000 |