Call reports 2017
PRESIDENTIAL BANK, FSB — 2017
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 573,680,000 | 566,997,000 | 554,973,000 | 558,660,000 |
| Total loans | 380,464,000 | 416,325,000 | 378,409,000 | 371,635,000 |
| Allowance for loan losses | 4,900,000 | 4,780,000 | 4,814,000 | 4,209,000 |
| Securities available for sale | 33,800,000 | 33,836,000 | 37,609,000 | 36,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,875,000 | 496,486,000 | 484,819,000 | 490,784,000 |
| Interest-bearing deposits | 485,173,000 | 476,351,000 | 465,672,000 | 471,735,000 |
| Noninterest-bearing deposits | 21,702,000 | 20,135,000 | 19,147,000 | 19,049,000 |
| Equity capital | 58,072,000 | 59,197,000 | 59,918,000 | 59,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,229,000 | 10,996,000 | 16,514,000 | 22,043,000 |
| Interest expense | 426,000 | 851,000 | 1,277,000 | 1,685,000 |
| Net interest income | 4,803,000 | 10,145,000 | 15,237,000 | 20,358,000 |
| Noninterest income | 5,423,000 | 12,454,000 | 18,122,000 | 22,647,000 |
| Noninterest expense | 9,439,000 | 19,707,000 | 29,162,000 | 38,122,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 727,000 | 2,832,000 | 4,137,000 | 4,823,000 |
| Income tax | 236,000 | 1,011,000 | 1,474,000 | 2,466,000 |
| Net income | 490,000 | 1,819,000 | 2,660,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,459,000 | 59,438,000 | 60,279,000 | 59,622,000 |
| Total capital | 62,445,000 | 63,582,000 | 64,268,000 | 63,577,000 |
| Risk-weighted assets | 317,042,000 | 329,897,000 | 317,337,000 | 315,176,000 |