Call reports 2014
PRESIDENTIAL BANK, FSB — 2014
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 548,953,000 | 537,038,000 | 522,616,000 | 539,494,000 |
| Total loans | 269,999,000 | 364,158,000 | 353,828,000 | 369,190,000 |
| Allowance for loan losses | 4,198,000 | 4,149,000 | 4,199,000 | 4,582,000 |
| Securities available for sale | 12,129,000 | 11,959,000 | 7,034,000 | 6,801,000 |
| Securities held to maturity | 38,850,000 | 40,709,000 | 45,616,000 | 45,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,181,000 | 478,778,000 | 464,118,000 | 481,614,000 |
| Interest-bearing deposits | 474,834,000 | 460,805,000 | 447,147,000 | 461,788,000 |
| Noninterest-bearing deposits | 17,347,000 | 17,973,000 | 16,971,000 | 19,826,000 |
| Equity capital | 48,343,000 | 48,788,000 | 49,272,000 | 48,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,010,000 | 8,272,000 | 12,990,000 | 17,767,000 |
| Interest expense | 391,000 | 770,000 | 1,142,000 | 1,510,000 |
| Net interest income | 3,619,000 | 7,502,000 | 11,848,000 | 16,257,000 |
| Noninterest income | 5,204,000 | 11,364,000 | 16,815,000 | 22,831,000 |
| Noninterest expense | 9,126,000 | 18,435,000 | 27,547,000 | 37,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -304,000 | 430,000 | 1,109,000 | 2,025,000 |
| Income tax | -118,000 | 173,000 | 417,000 | 757,000 |
| Net income | -187,000 | 255,000 | 689,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,578,000 | 50,021,000 | 49,138,000 | 48,729,000 |
| Total capital | 52,371,000 | 53,339,000 | 52,543,000 | 52,297,000 |
| Risk-weighted assets | 221,154,000 | 263,735,000 | 270,694,000 | 283,420,000 |
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