Call reports 2016
PRESIDENTIAL BANK, FSB — 2016
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 564,150,000 | 615,101,000 | 594,864,000 | 570,266,000 |
| Total loans | 395,456,000 | 471,662,000 | 455,882,000 | 415,486,000 |
| Allowance for loan losses | 5,987,000 | 6,138,000 | 5,205,000 | 4,670,000 |
| Securities available for sale | 73,189,000 | 74,001,000 | 74,888,000 | 34,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,294,000 | 491,164,000 | 495,125,000 | 501,317,000 |
| Interest-bearing deposits | 482,564,000 | 473,481,000 | 476,909,000 | 482,117,000 |
| Noninterest-bearing deposits | 18,730,000 | 17,683,000 | 18,216,000 | 19,200,000 |
| Equity capital | 52,084,000 | 54,698,000 | 57,564,000 | 57,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,761,000 | 11,680,000 | 17,670,000 | 23,301,000 |
| Interest expense | 426,000 | 881,000 | 1,370,000 | 1,820,000 |
| Net interest income | 5,335,000 | 10,799,000 | 16,300,000 | 21,481,000 |
| Noninterest income | 6,844,000 | 16,149,000 | 25,930,000 | 31,576,000 |
| Noninterest expense | 10,025,000 | 21,147,000 | 32,838,000 | 42,320,000 |
| Provision for loan losses | 0 | 200,000 | 350,000 | 400,000 |
| Pretax income | 2,154,000 | 5,601,000 | 8,715,000 | 9,833,000 |
| Income tax | 793,000 | 2,091,000 | 3,259,000 | 3,645,000 |
| Net income | 1,360,000 | 3,508,000 | 5,453,000 | 6,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,094,000 | 55,892,000 | 57,837,000 | 58,569,000 |
| Total capital | 61,081,000 | 63,030,000 | 64,042,000 | 62,760,000 |
| Risk-weighted assets | 732,897,000 | 762,539,000 | 746,209,000 | 333,834,000 |