Call reports 2012
PRESENCE BANK — 2012
What PRESENCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 202,337,000 | 204,582,000 | 198,154,000 | 199,105,000 |
| Total loans | 157,496,000 | 157,518,000 | 155,541,000 | 158,590,000 |
| Allowance for loan losses | 1,531,000 | 1,473,000 | 1,325,000 | 1,286,000 |
| Securities available for sale | 25,915,000 | 30,315,000 | 26,262,000 | 25,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,984,000 | 162,049,000 | 155,489,000 | 156,241,000 |
| Interest-bearing deposits | 152,790,000 | 154,869,000 | 149,224,000 | 148,254,000 |
| Noninterest-bearing deposits | 7,194,000 | 7,180,000 | 6,265,000 | 7,987,000 |
| Equity capital | 14,733,000 | 14,925,000 | 15,052,000 | 15,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,259,000 | 4,500,000 | 6,766,000 | 8,955,000 |
| Interest expense | 1,229,000 | 2,442,000 | 3,615,000 | 4,679,000 |
| Net interest income | 1,030,000 | 2,058,000 | 3,151,000 | 4,276,000 |
| Noninterest income | 143,000 | 237,000 | 323,000 | 434,000 |
| Noninterest expense | 1,059,000 | 2,106,000 | 3,126,000 | 4,124,000 |
| Provision for loan losses | 25,000 | 37,000 | 27,000 | 28,000 |
| Pretax income | 89,000 | 152,000 | 321,000 | 558,000 |
| Income tax | 15,000 | 24,000 | 86,000 | 96,000 |
| Net income | 74,000 | 128,000 | 235,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,553,000 | 13,716,000 | 13,895,000 | 13,998,000 |
| Total capital | 15,095,000 | 15,204,000 | 15,238,000 | 15,298,000 |
| Risk-weighted assets | 137,895,000 | 139,397,000 | 137,831,000 | 138,478,000 |
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