Call reports 2014
PREFERRED BANK — 2014
What PREFERRED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 209,441,000 | 208,774,000 | 215,142,000 | 219,075,000 |
| Total loans | 116,332,000 | 124,582,000 | 131,188,000 | 133,482,000 |
| Allowance for loan losses | 1,573,000 | 1,567,000 | 1,588,000 | 1,611,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,899,000 | 47,930,000 | 46,280,000 | 45,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,065,000 | 174,914,000 | 180,970,000 | 183,357,000 |
| Interest-bearing deposits | 107,041,000 | 98,346,000 | 104,749,000 | 107,240,000 |
| Noninterest-bearing deposits | 69,024,000 | 76,568,000 | 76,221,000 | 76,117,000 |
| Equity capital | 32,475,000 | 32,919,000 | 33,341,000 | 34,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,216,000 | 6,401,000 | 8,552,000 |
| Interest expense | 153,000 | 279,000 | 394,000 | 514,000 |
| Net interest income | 1,893,000 | 3,937,000 | 6,007,000 | 8,038,000 |
| Noninterest income | 69,000 | 147,000 | 239,000 | 1,880,000 |
| Noninterest expense | 1,473,000 | 2,944,000 | 4,489,000 | 6,406,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 489,000 | 1,140,000 | 1,757,000 | 3,510,000 |
| Income tax | 152,000 | 359,000 | 554,000 | 1,134,000 |
| Net income | 337,000 | 781,000 | 1,203,000 | 2,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,475,000 | 32,919,000 | 33,341,000 | 34,514,000 |
| Total capital | 33,930,000 | 34,481,000 | 34,929,000 | 36,125,000 |
| Risk-weighted assets | 116,273,000 | 124,979,000 | 128,953,000 | 132,832,000 |
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