Call reports 2014
PRESENCE BANK — 2014
What PRESENCE 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 | 203,892,000 | 205,939,000 | 199,826,000 | 200,541,000 |
| Total loans | 165,118,000 | 165,445,000 | 159,783,000 | 163,190,000 |
| Allowance for loan losses | 1,201,000 | 1,251,000 | 1,254,000 | 1,411,000 |
| Securities available for sale | 25,701,000 | 25,028,000 | 26,138,000 | 25,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,830,000 | 162,516,000 | 156,124,000 | 150,651,000 |
| Interest-bearing deposits | 150,858,000 | 152,937,000 | 146,878,000 | 142,074,000 |
| Noninterest-bearing deposits | 9,972,000 | 9,579,000 | 9,246,000 | 8,577,000 |
| Equity capital | 15,302,000 | 15,651,000 | 15,894,000 | 16,638,000 |
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 | 2,071,000 | 4,180,000 | 6,252,000 | 8,318,000 |
| Interest expense | 834,000 | 1,680,000 | 2,501,000 | 3,206,000 |
| Net interest income | 1,237,000 | 2,500,000 | 3,751,000 | 5,112,000 |
| Noninterest income | 96,000 | 180,000 | 278,000 | 375,000 |
| Noninterest expense | 1,053,000 | 2,147,000 | 3,248,000 | 4,422,000 |
| Provision for loan losses | 48,000 | 100,000 | 76,000 | 316,000 |
| Pretax income | 232,000 | 433,000 | 705,000 | 749,000 |
| Income tax | -2,000 | -46,000 | -35,000 | -949,000 |
| Net income | 234,000 | 479,000 | 740,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,674,000 | 14,974,000 | 15,237,000 | 15,186,000 |
| Total capital | 15,875,000 | 16,225,000 | 16,491,000 | 16,602,000 |
| Risk-weighted assets | 138,538,000 | 139,987,000 | 138,170,000 | 139,990,000 |