Call reports 2016
PRESENCE BANK — 2016
What PRESENCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 203,293,000 | 207,832,000 | 208,001,000 | 210,055,000 |
| Total loans | 166,033,000 | 169,627,000 | 170,331,000 | 170,603,000 |
| Allowance for loan losses | 1,550,000 | 1,608,000 | 1,593,000 | 1,564,000 |
| Securities available for sale | 23,439,000 | 22,154,000 | 22,002,000 | 24,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,947,000 | 176,916,000 | 178,249,000 | 179,813,000 |
| Interest-bearing deposits | 162,631,000 | 164,685,000 | 165,582,000 | 165,740,000 |
| Noninterest-bearing deposits | 11,316,000 | 12,231,000 | 12,667,000 | 14,073,000 |
| Equity capital | 18,048,000 | 18,480,000 | 18,722,000 | 18,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 4,123,000 | 6,254,000 | 8,405,000 |
| Interest expense | 416,000 | 836,000 | 1,262,000 | 1,683,000 |
| Net interest income | 1,608,000 | 3,287,000 | 4,992,000 | 6,722,000 |
| Noninterest income | 116,000 | 236,000 | 356,000 | 463,000 |
| Noninterest expense | 1,254,000 | 2,468,000 | 3,898,000 | 5,228,000 |
| Provision for loan losses | 33,000 | 84,000 | 100,000 | 367,000 |
| Pretax income | 437,000 | 971,000 | 1,350,000 | 1,590,000 |
| Income tax | 139,000 | 311,000 | 431,000 | 504,000 |
| Net income | 298,000 | 660,000 | 919,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 17,879,000 | 18,179,000 | 18,510,000 |
| Total capital | 19,156,000 | 19,494,000 | 19,778,000 | 20,074,000 |
| Risk-weighted assets | 142,251,000 | 144,683,000 | 145,352,000 | 144,831,000 |