Call reports 2013
PRESIDENTIAL BANK, FSB — 2013
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 549,300,000 | 555,841,000 | 575,728,000 | 554,350,000 |
| Total loans | 333,464,000 | 351,091,000 | 275,606,000 | 276,925,000 |
| Allowance for loan losses | 4,363,000 | 4,499,000 | 4,355,000 | 4,213,000 |
| Securities available for sale | 0 | 0 | 12,423,000 | 12,283,000 |
| Securities held to maturity | 1,237,000 | 1,218,000 | 21,329,000 | 38,982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,166,000 | 491,880,000 | 493,569,000 | 496,512,000 |
| Interest-bearing deposits | 473,120,000 | 476,575,000 | 475,464,000 | 480,703,000 |
| Noninterest-bearing deposits | 15,046,000 | 15,305,000 | 18,105,000 | 15,809,000 |
| Equity capital | 49,336,000 | 49,974,000 | 49,701,000 | 48,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,378,000 | 8,578,000 | 12,716,000 | 16,720,000 |
| Interest expense | 425,000 | 864,000 | 1,291,000 | 1,706,000 |
| Net interest income | 3,953,000 | 7,714,000 | 11,425,000 | 15,014,000 |
| Noninterest income | 8,224,000 | 16,864,000 | 22,806,000 | 27,048,000 |
| Noninterest expense | 11,377,000 | 22,525,000 | 32,799,000 | 42,552,000 |
| Provision for loan losses | 150,000 | 350,000 | 150,000 | 150,000 |
| Pretax income | 650,000 | 1,703,000 | 1,282,000 | -640,000 |
| Income tax | 259,000 | 673,000 | 524,000 | -229,000 |
| Net income | 390,000 | 1,028,000 | 755,000 | -414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,574,000 | 51,213,000 | 50,941,000 | 49,773,000 |
| Total capital | 53,787,000 | 54,448,000 | 53,764,000 | 52,637,000 |
| Risk-weighted assets | 255,225,000 | 256,762,000 | 223,546,000 | 226,905,000 |
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