Call reports 2007
PATRIOTS BANK — 2007
What PATRIOTS 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 | 52,132,000 | 47,400,000 | 51,706,000 | 110,761,000 |
| Total loans | 39,491,000 | 42,485,000 | 45,067,000 | 73,990,000 |
| Allowance for loan losses | 400,000 | 440,000 | 457,000 | 958,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,457,000 | 2,678,000 | 2,723,000 | 17,277,000 |
| Total deposits | 37,738,000 | 36,938,000 | 39,673,000 | 82,183,000 |
| Interest-bearing deposits | 30,665,000 | 30,733,000 | 31,602,000 | 60,552,000 |
| Noninterest-bearing deposits | 7,073,000 | 6,205,000 | 8,071,000 | 21,631,000 |
| Equity capital | 6,551,000 | 6,585,000 | 6,633,000 | 23,107,000 |
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 | 930,000 | 1,902,000 | 2,913,000 | 5,517,000 |
| Interest expense | 409,000 | 815,000 | 1,206,000 | 1,896,000 |
| Net interest income | 521,000 | 1,087,000 | 1,707,000 | 3,621,000 |
| Noninterest income | 91,000 | 134,000 | 222,000 | 1,017,000 |
| Noninterest expense | 498,000 | 1,000,000 | 1,553,000 | 3,521,000 |
| Provision for loan losses | 19,000 | 68,000 | 147,000 | 283,000 |
| Pretax income | 95,000 | 153,000 | 229,000 | 834,000 |
| Income tax | 1,000 | 25,000 | 53,000 | 274,000 |
| Net income | 94,000 | 128,000 | 176,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,551,000 | 6,585,000 | 6,633,000 | 14,649,000 |
| Total capital | 6,951,000 | 7,026,000 | 7,090,000 | 15,607,000 |
| Risk-weighted assets | 50,970,000 | 44,129,000 | 46,969,000 | 92,566,000 |