Call reports 2013
PREFERRED BANK — 2013
What PREFERRED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 191,380,000 | 190,649,000 | 189,823,000 | 194,417,000 |
| Total loans | 81,775,000 | 91,752,000 | 101,618,000 | 108,960,000 |
| Allowance for loan losses | 1,491,000 | 1,491,000 | 1,492,000 | 1,551,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 61,684,000 | 54,557,000 | 51,619,000 | 49,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,888,000 | 158,779,000 | 157,400,000 | 160,983,000 |
| Interest-bearing deposits | 108,415,000 | 100,954,000 | 98,241,000 | 96,942,000 |
| Noninterest-bearing deposits | 51,473,000 | 57,825,000 | 59,159,000 | 64,041,000 |
| Equity capital | 30,740,000 | 31,062,000 | 31,457,000 | 32,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,601,000 | 5,461,000 | 7,413,000 |
| Interest expense | 240,000 | 421,000 | 584,000 | 740,000 |
| Net interest income | 1,485,000 | 3,180,000 | 4,877,000 | 6,673,000 |
| Noninterest income | 81,000 | 163,000 | 324,000 | 1,159,000 |
| Noninterest expense | 1,437,000 | 2,773,000 | 4,084,000 | 5,605,000 |
| Provision for loan losses | -79,000 | -111,000 | -136,000 | -68,000 |
| Pretax income | 208,000 | 681,000 | 1,253,000 | 2,295,000 |
| Income tax | 56,000 | 207,000 | 384,000 | 745,000 |
| Net income | 152,000 | 474,000 | 869,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,740,000 | 31,062,000 | 31,457,000 | 32,138,000 |
| Total capital | 31,855,000 | 32,299,000 | 32,785,000 | 33,518,000 |
| Risk-weighted assets | 88,834,000 | 98,742,000 | 105,324,000 | 110,261,000 |
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