Call reports 2006
PATRIOTS BANK — 2006
What PATRIOTS 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 | 42,839,000 | 47,003,000 | 51,553,000 | 50,327,000 |
| Total loans | 29,699,000 | 32,988,000 | 35,655,000 | 37,292,000 |
| Allowance for loan losses | 299,000 | 332,000 | 364,000 | 382,000 |
| Securities available for sale | 10,213,000 | 10,088,000 | 10,355,000 | 10,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,465,000 | 39,642,000 | 43,876,000 | 39,062,000 |
| Interest-bearing deposits | 28,167,000 | 33,489,000 | 36,275,000 | 31,281,000 |
| Noninterest-bearing deposits | 7,298,000 | 6,153,000 | 7,601,000 | 7,781,000 |
| Equity capital | 6,186,000 | 6,135,000 | 6,374,000 | 6,457,000 |
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 | 696,000 | 1,507,000 | 2,400,000 | 3,335,000 |
| Interest expense | 239,000 | 532,000 | 919,000 | 1,333,000 |
| Net interest income | 457,000 | 975,000 | 1,481,000 | 2,002,000 |
| Noninterest income | 25,000 | 55,000 | 92,000 | 129,000 |
| Noninterest expense | 431,000 | 888,000 | 1,346,000 | 1,856,000 |
| Provision for loan losses | 3,000 | 36,000 | 68,000 | 86,000 |
| Pretax income | 48,000 | 106,000 | 159,000 | 189,000 |
| Income tax | 14,000 | 30,000 | 44,000 | 20,000 |
| Net income | 34,000 | 76,000 | 115,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,588,000 | 6,630,000 | 6,668,000 | 6,723,000 |
| Total capital | 6,887,000 | 6,962,000 | 7,032,000 | 7,105,000 |
| Risk-weighted assets | 32,602,000 | 35,781,000 | 38,445,000 | 40,429,000 |