Call reports 2013
PRESENCE BANK — 2013
What PRESENCE 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 | 201,046,000 | 204,096,000 | 201,670,000 | 199,176,000 |
| Total loans | 156,305,000 | 158,695,000 | 159,750,000 | 161,936,000 |
| Allowance for loan losses | 1,337,000 | 1,387,000 | 1,345,000 | 1,152,000 |
| Securities available for sale | 28,031,000 | 28,682,000 | 27,114,000 | 26,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,070,000 | 161,299,000 | 158,894,000 | 154,457,000 |
| Interest-bearing deposits | 150,371,000 | 151,747,000 | 150,442,000 | 144,618,000 |
| Noninterest-bearing deposits | 7,699,000 | 9,552,000 | 8,452,000 | 9,839,000 |
| Equity capital | 15,101,000 | 14,901,000 | 14,794,000 | 14,989,000 |
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 | 2,123,000 | 4,225,000 | 6,332,000 | 8,436,000 |
| Interest expense | 1,020,000 | 2,054,000 | 3,096,000 | 4,014,000 |
| Net interest income | 1,103,000 | 2,171,000 | 3,236,000 | 4,422,000 |
| Noninterest income | 99,000 | 201,000 | 299,000 | 437,000 |
| Noninterest expense | 1,028,000 | 2,072,000 | 3,130,000 | 4,250,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 220,000 |
| Pretax income | 124,000 | 200,000 | 255,000 | 389,000 |
| Income tax | 1,000 | -29,000 | -29,000 | 14,000 |
| Net income | 123,000 | 229,000 | 284,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,102,000 | 14,020,000 | 13,981,000 | 14,154,000 |
| Total capital | 15,450,000 | 15,407,000 | 15,326,000 | 15,306,000 |
| Risk-weighted assets | 137,632,000 | 140,374,000 | 140,758,000 | 141,527,000 |
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