Call reports 2011
PRESENCE BANK — 2011
What PRESENCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 202,418,000 | 205,232,000 | 198,784,000 | 200,227,000 |
| Total loans | 153,467,000 | 156,734,000 | 155,737,000 | 157,819,000 |
| Allowance for loan losses | 1,452,000 | 1,474,000 | 1,485,000 | 1,506,000 |
| Securities available for sale | 32,589,000 | 32,846,000 | 25,213,000 | 25,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,808,000 | 161,381,000 | 156,517,000 | 157,952,000 |
| Interest-bearing deposits | 153,877,000 | 155,432,000 | 151,076,000 | 151,323,000 |
| Noninterest-bearing deposits | 4,931,000 | 5,949,000 | 5,441,000 | 6,629,000 |
| Equity capital | 14,433,000 | 14,641,000 | 14,666,000 | 14,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,616,000 | 6,911,000 | 9,177,000 |
| Interest expense | 1,376,000 | 2,723,000 | 4,114,000 | 5,373,000 |
| Net interest income | 944,000 | 1,893,000 | 2,797,000 | 3,804,000 |
| Noninterest income | 103,000 | 210,000 | 310,000 | 410,000 |
| Noninterest expense | 1,101,000 | 2,168,000 | 3,160,000 | 4,203,000 |
| Provision for loan losses | 0 | 21,000 | 44,000 | 65,000 |
| Pretax income | -54,000 | -86,000 | -16,000 | 27,000 |
| Income tax | 32,000 | 2,000 | 6,000 | -15,000 |
| Net income | -86,000 | -88,000 | -22,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,323,000 | 13,399,000 | 13,457,000 | 13,497,000 |
| Total capital | 14,776,000 | 14,878,000 | 14,955,000 | 15,014,000 |
| Risk-weighted assets | 131,562,000 | 134,090,000 | 133,532,000 | 135,813,000 |
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