Call reports 2020
PRESENCE BANK — 2020
What PRESENCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 234,034,000 | 256,416,000 | 258,301,000 | 275,324,000 |
| Total loans | 182,744,000 | 181,436,000 | 178,761,000 | 188,899,000 |
| Allowance for loan losses | 2,202,000 | 2,637,000 | 2,712,000 | 2,854,000 |
| Securities available for sale | 21,144,000 | 24,480,000 | 24,534,000 | 25,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,565,000 | 210,361,000 | 214,166,000 | 231,416,000 |
| Interest-bearing deposits | 174,005,000 | 193,583,000 | 197,439,000 | 209,334,000 |
| Noninterest-bearing deposits | 13,560,000 | 16,778,000 | 16,727,000 | 22,082,000 |
| Equity capital | 22,539,000 | 22,565,000 | 22,568,000 | 21,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,558,000 | 6,849,000 | 9,064,000 |
| Interest expense | 600,000 | 1,215,000 | 1,811,000 | 2,431,000 |
| Net interest income | 1,692,000 | 3,343,000 | 5,038,000 | 6,633,000 |
| Noninterest income | 178,000 | 306,000 | 473,000 | 648,000 |
| Noninterest expense | 1,520,000 | 3,052,000 | 4,766,000 | 7,094,000 |
| Provision for loan losses | 359,000 | 548,000 | 621,000 | 760,000 |
| Pretax income | 4,000 | 69,000 | 144,000 | -555,000 |
| Income tax | -5,000 | 2,000 | 12,000 | -140,000 |
| Net income | 9,000 | 67,000 | 132,000 | -415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,305,000 | 22,362,000 | 22,427,000 | 21,881,000 |
| Total capital | 24,287,000 | 24,387,000 | 24,477,000 | — |
| Risk-weighted assets | 158,407,000 | 161,430,000 | 163,384,000 | — |