Call reports 2012
PRESIDENTIAL BANK, FSB — 2012
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 532,937,000 | 527,468,000 | 530,567,000 | 542,375,000 |
| Total loans | 396,337,000 | 414,016,000 | 437,515,000 | 414,879,000 |
| Allowance for loan losses | 7,497,000 | 5,442,000 | 5,756,000 | 4,403,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,499,000 | 1,352,000 | 1,323,000 | 1,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,265,000 | 467,243,000 | 465,808,000 | 478,124,000 |
| Interest-bearing deposits | 461,660,000 | 452,792,000 | 450,218,000 | 464,222,000 |
| Noninterest-bearing deposits | 13,605,000 | 14,451,000 | 15,590,000 | 13,902,000 |
| Equity capital | 45,642,000 | 47,218,000 | 49,131,000 | 48,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,898,000 | 10,181,000 | 15,860,000 | 21,021,000 |
| Interest expense | 397,000 | 797,000 | 1,189,000 | 1,599,000 |
| Net interest income | 4,501,000 | 9,384,000 | 14,671,000 | 19,422,000 |
| Noninterest income | 9,598,000 | 22,175,000 | 34,119,000 | 42,539,000 |
| Noninterest expense | 12,285,000 | 26,446,000 | 39,771,000 | 51,953,000 |
| Provision for loan losses | 1,600,000 | 2,298,000 | 3,048,000 | 4,333,000 |
| Pretax income | 214,000 | 2,815,000 | 5,971,000 | 5,675,000 |
| Income tax | 87,000 | 1,111,000 | 2,354,000 | 2,241,000 |
| Net income | 126,000 | 1,702,000 | 3,615,000 | 3,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,876,000 | 48,453,000 | 50,367,000 | 50,183,000 |
| Total capital | 50,876,000 | 52,326,000 | 54,330,000 | 53,916,000 |
| Risk-weighted assets | 315,880,000 | 308,289,000 | 315,280,000 | 297,469,000 |