Call reports 2023
PRESENCE BANK — 2023
What PRESENCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 385,848,000 | 406,171,000 | 403,010,000 | 434,118,000 |
| Total loans | 312,898,000 | 321,620,000 | 329,818,000 | 325,893,000 |
| Allowance for loan losses | 4,090,000 | 4,314,000 | 4,468,000 | 4,511,000 |
| Securities available for sale | 32,457,000 | 34,828,000 | 40,667,000 | 68,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,437,000 | 312,091,000 | 306,521,000 | 332,966,000 |
| Interest-bearing deposits | 258,409,000 | 264,999,000 | 252,466,000 | 311,995,000 |
| Noninterest-bearing deposits | 37,028,000 | 47,092,000 | 54,055,000 | 20,971,000 |
| Equity capital | 36,799,000 | 37,237,000 | 37,837,000 | 38,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,291,000 | 9,250,000 | 14,308,000 | 19,502,000 |
| Interest expense | 1,324,000 | 3,149,000 | 5,247,000 | 7,803,000 |
| Net interest income | 2,967,000 | 6,101,000 | 9,061,000 | 11,699,000 |
| Noninterest income | 126,000 | 396,000 | 606,000 | 774,000 |
| Noninterest expense | 2,291,000 | 4,585,000 | 6,826,000 | 9,051,000 |
| Provision for loan losses | 157,000 | 449,000 | 601,000 | 644,000 |
| Pretax income | 631,000 | 1,482,000 | 2,247,000 | 2,801,000 |
| Income tax | 146,000 | 322,000 | 487,000 | 616,000 |
| Net income | 485,000 | 1,160,000 | 1,760,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,437,000 | 39,112,000 | 39,713,000 | 40,276,000 |
| Total capital | 42,406,000 | 43,179,000 | 43,831,000 | 44,168,000 |
| Risk-weighted assets | 317,573,000 | 325,293,000 | 329,318,000 | 310,943,000 |