Call reports 2019
PRESENCE BANK — 2019
What PRESENCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 221,169,000 | 223,084,000 | 219,391,000 | 216,885,000 |
| Total loans | 174,919,000 | 173,223,000 | 175,021,000 | 173,057,000 |
| Allowance for loan losses | 1,641,000 | 1,719,000 | 2,012,000 | 1,839,000 |
| Securities available for sale | 20,681,000 | 21,864,000 | 20,830,000 | 22,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,176,000 | 173,841,000 | 170,347,000 | 168,039,000 |
| Interest-bearing deposits | 160,497,000 | 161,947,000 | 159,167,000 | 155,376,000 |
| Noninterest-bearing deposits | 11,679,000 | 11,894,000 | 11,180,000 | 12,663,000 |
| Equity capital | 21,442,000 | 21,981,000 | 22,193,000 | 22,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,253,000 | 4,665,000 | 7,024,000 | 9,379,000 |
| Interest expense | 566,000 | 1,207,000 | 1,838,000 | 2,454,000 |
| Net interest income | 1,687,000 | 3,458,000 | 5,186,000 | 6,925,000 |
| Noninterest income | 128,000 | 300,000 | 435,000 | 647,000 |
| Noninterest expense | 1,473,000 | 3,050,000 | 4,430,000 | 5,943,000 |
| Provision for loan losses | 22,000 | 99,000 | 391,000 | 697,000 |
| Pretax income | 320,000 | 627,000 | 824,000 | 952,000 |
| Income tax | 59,000 | 117,000 | 152,000 | 173,000 |
| Net income | 261,000 | 510,000 | 672,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,780,000 | 22,026,000 | 22,188,000 | 22,295,000 |
| Total capital | 23,421,000 | 23,745,000 | 24,080,000 | 24,134,000 |
| Risk-weighted assets | 151,174,000 | 150,022,000 | 151,276,000 | 149,243,000 |