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Note 3 - Restrictions on Cash and Due From Banks | 12 Months Ended
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Dec. 31, 2018
Notes to Financial Statements |
Restrictions on Cash and Due from Banks Disclosure [Text Block] |
Note 3. | Restrictions on Cash and Due from Banks
Federal Reserve System regulations require depository institutions to maintain cash reserves against their transaction accounts, primarily interest-bearing and regular checking accounts. The required cash reserves can be in the form of vault cash and, if vault cash does not fully satisfy the required cash reserves, in the form of a balance maintained with Federal Reserve Banks. The Board of Governors of the Federal Reserve System generally makes annual adjustments to the tiered cash reserve requirements. Based on Patriot’s deposits in transaction accounts, which were less than the exemption amount of $16 million, the Bank was not subject to a reserve requirement as of December 31, 2018 and 2017.

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