PATRIOT NATIONAL BANCORP INCPNBK

時価総額

$1.7億

PER

商業銀行の有力企業。Digital Payments Division（DPD）による高頻度決済処理とSBAローンの引受・販売を展開、従業員129人（2024年12月31日時点）。2025年3月13日の証書提出でシリーズA優先株500,000株を指定。コネチカット州とニューヨーク州の都市部を中心に展開。

概要財務

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	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net (loss) income	-15,459,486	-536,164	-7,288,946	16	2	2	4	3	-3	-4	5	6	-4	-40
Accretion of investment premiums and discounts, net	-409,511	-310,830	-186,605	-0	-0	-0	-0	-15,000	-0	-0	-0	0	0	0
Amortization and accretion of purchase loan premiums and discounts, net	11,301	11,477	19,469	1	-0	-0	-1	-523,000	-1	-1	-2	-3	-2	-0
Amortization of debt issuance costs	-	-	-	-	-	0	0	97,000	0	0	0	0	0	0
Amortization of Intangible Assets	15,012	6,962	-	-	-	-	-	50,000	0	0	0	0	0	0
Amortization of servicing assets of sold SBA loans	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Impairment of intangible assets	-	-	-	-	-	-	-	-	-	0	-	-	1	-
Provision for credit losses	7	-2,379,223	970,214	-	0	2	-1	1	5	2	-0	2	7	12
Depreciation and amortization	-	-	-	-	-	-	-	-	2	2	2	1	1	1
Loss (gain) on sales of available-for-sale securities	-	-	-	-	-	-	-	-	-	-	0	-	0	-0
Gain on sale of premises and equipment	-	-	-	-	-	-	-	-	-	-	1	-	-	0
Share-based compensation	-	306,421	130,686	0	0	0	0	220,000	0	0	0	0	0	0
Increase (Decrease) in Deferred Tax Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-23
Increase in deferred tax liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	1
Originations of loans held for sale, net	-	-	-	-	-	-	-	-	27	2	17	24	189	577
Proceeds from sale of loans held for sale	-	-	-	-	-	-	-	-	13	12	16	23	174	582
Gains on sale of loans held for sale, net	-	-	-	-	-	-	-	-	1	1	2	1	0	0
Decrease in accrued interest and dividends receivable	-59,007	-558,887	-327,877	0	0	1	1	270,000	-0	3	-1	1	-0	-2
(Increase) decrease in other assets	-6,276,762	167,488	-737,075	-0	-0	1	0	981,000	1	0	2	1	-2	1
Decrease in accrued expenses and other liabilities	344,279	858,272	-1,637,666	-1	0	-1	0	-	0	-2	3	-2	-0	-0
Net cash provided by (used in) operating activities	-976,067	-3,154,018	-4,696,250	-	-	-	7	5,585,000	-12	6	8	7	-11	3
Proceeds from maturity or sales on available-for-sale securities	-	-	-	-	-	-	-	-	-	-	-	4	2	8
Principal repayments on available-for-sale securities	-12,029,209	-7,775,420	-3,262,509	-	6	8	-	-	-	-	-	7	4	4
Purchases of available-for-sale securities	-	-	-	-	-	-	-	-	-	-	136	19	10	2
Redemptions of FRB stock	-	-164,500	-201,200	2	-0	-	0	-961,000	-0	0	-0	-0	-1	-1
Redemptions (purchases) of FHLB stock	-	-	-	1	0	0	0	364,000	0	-0	0	-0	0	-3
Origination of loans receivable	-	-	-	-	-	-	-	-	-	-	-	211	146	49
Purchases of loans receivable	-	-	-	-	-	52	73	47,074,000	55	33	89	141	21	0
Payments received on loans receivable	-	-	-	-	-	-	-	-	-	-	-	240	144	170
Purchases of premises and equipment	685,029	615,519	-	8	6	4	3	1,142,000	1	0	0	0	0	0
Proceeds from sale of premises and equipment	-	-	-	-	-	-	-	-	-	-	1	-	-	0
Net cash provided by (used in) investing activities	12	66	36	-	-	-	-140	-27,195,000	-42	83	-55	-122	-27	135
Increase (Decrease) in Deposits	-17,785,483	13	-17,298,660	-	-	-	108	59,658,000	26	-134	63	112	-20	126
(Repayments) proceeds from FHLB daily borrowing, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-68
Repayments of FHLB long term borrowings	-	-	-	-	-	-	-	-	-	-	-	-	-	30
Proceeds from FRB and correspondent bank borrowings	-	-	-	-	-	-	-	-	-	-	-	-	-	42
Repayments of FRB and correspondent bank borrowings	-	-	-	-	-	-	-	-	-	-	-	-	-	112
Principal repayments of senior notes	-	-	-	-	-	-	-	-	-	-	-	12	-	-
Proceeds from issuance of senior notes	-	-	-	-	-	12	-	-	-	-	-	12	-	-
Principal repayments of note payable	-	-	-	-	0	0	0	192,000	0	0	0	0	0	0
Increase in advances from borrowers for taxes and insurance	-	-	-	-	-	0	0	97,000	1	0	-3	-0	0	0
Net cash (used in) provided by financing activities	-101,899,436	-47,626,495	-67,078,816	-	-	-	90	39,318,000	27	-94	60	106	66	-42
Net increase (decrease) in cash, cash equivalents and restricted cash	-	-	-	-	-	-	-	-	-	-5	12	-9	28	96
Cash paid for interest	-	-	-	-	-	-	6	11,246	18	15	7	10	30	32
Income Taxes Paid, Net	-	-	-	-	-	-	-	-	-	-1	0	0	4	0
Change in unrealized loss (gain) on available-for-sale securities, net of tax	-	-	-	-	-	-	-	-	-	-	-	-	-0	0
Increase in Premises and Equipment	-	-	-	-	-	-	-	-	-	-	-	0	-	6
Transfers of loans receivable to loans held for sale	-	-	-	-	-	-	-	-	-	-	-	-	-	-4
Transfers of loans receivable to OREO	-	-	-	-	-	-	-	-	-	-	-	-	3	-
Capitalized servicing assets	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Noncash Operating Lease Right-of-Use Assets	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Increase (decrease) in interest rate swaps	-	-	-	-	-	-	-	-	-	-	-	1	0	-0
Deferred cost for capital raise	-	-	-	-	-	-	-	-	-	-	-	-1	-	-0
Deferred debt issuance costs	-	-	-	-	-	0	-	-	-	-	-	0	0	-
Decrease in premises and equipment recorded under other liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Noncash Expected Credit Loss For Loans Adoption	-	-	-	-	-	-	-	-	-	-	-	-	13	-
Noncash Expected Credit Loss For Unfunded Commitments	-	-	-	-	-	-	-	-	-	-	-	-	3	-
Noncash Deferred Tax Assets	-	-	-	-	-	-	-	-	-	-	-	-	-4	-
Retained earnings adjustment - ASC 326 adoption	-	-	-	-	-	-	-	-	-	-	-	-	12	-