Call reports 2015
PRESIDENTIAL BANK, FSB — 2015
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 565,211,000 | 567,131,000 | 545,696,000 | 563,777,000 |
| Total loans | 422,363,000 | 448,662,000 | 400,495,000 | 426,829,000 |
| Allowance for loan losses | 4,583,000 | 5,828,000 | 5,819,000 | 5,982,000 |
| Securities available for sale | 56,319,000 | 58,286,000 | 73,446,000 | 75,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,102,000 | 478,422,000 | 479,130,000 | 495,446,000 |
| Interest-bearing deposits | 477,654,000 | 460,239,000 | 461,778,000 | 476,826,000 |
| Noninterest-bearing deposits | 21,448,000 | 18,183,000 | 17,352,000 | 18,620,000 |
| Equity capital | 50,337,000 | 50,706,000 | 52,015,000 | 51,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,773,000 | 10,463,000 | 15,837,000 | 21,407,000 |
| Interest expense | 388,000 | 789,000 | 1,210,000 | 1,640,000 |
| Net interest income | 4,385,000 | 9,674,000 | 14,627,000 | 19,767,000 |
| Noninterest income | 8,727,000 | 17,250,000 | 23,743,000 | 29,143,000 |
| Noninterest expense | 10,608,000 | 21,756,000 | 31,541,000 | 40,803,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,509,000 | 5,173,000 | 6,834,000 | 8,112,000 |
| Income tax | 961,000 | 1,984,000 | 2,522,000 | 2,970,000 |
| Net income | 1,547,000 | 3,187,000 | 4,309,000 | 5,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,464,000 | 51,330,000 | 52,452,000 | 52,983,000 |
| Total capital | 54,709,000 | 55,763,000 | 56,921,000 | 59,965,000 |
| Risk-weighted assets | 338,311,000 | 352,240,000 | 355,191,000 | 748,693,000 |