Call reports 2018
PRESIDENTIAL BANK, FSB — 2018
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 551,124,000 | 528,079,000 | 516,400,000 | 532,730,000 |
| Total loans | 377,494,000 | 404,037,000 | 418,822,000 | 400,447,000 |
| Allowance for loan losses | 4,240,000 | 4,355,000 | 4,728,000 | 4,742,000 |
| Securities available for sale | 35,727,000 | 35,071,000 | 34,322,000 | 34,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,700,000 | 459,376,000 | 443,185,000 | 464,493,000 |
| Interest-bearing deposits | 460,597,000 | 439,990,000 | 422,682,000 | 442,115,000 |
| Noninterest-bearing deposits | 23,103,000 | 19,386,000 | 20,503,000 | 22,378,000 |
| Equity capital | 58,967,000 | 59,225,000 | 59,432,000 | 60,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,370,000 | 11,427,000 | 17,616,000 | 23,907,000 |
| Interest expense | 385,000 | 767,000 | 1,185,000 | 1,741,000 |
| Net interest income | 4,985,000 | 10,660,000 | 16,431,000 | 22,166,000 |
| Noninterest income | 4,441,000 | 9,967,000 | 14,630,000 | 18,367,000 |
| Noninterest expense | 9,029,000 | 18,704,000 | 27,771,000 | 36,201,000 |
| Provision for loan losses | 100,000 | 300,000 | 775,000 | 950,000 |
| Pretax income | 297,000 | 1,622,000 | 2,514,000 | 3,381,000 |
| Income tax | -43,000 | 297,000 | 520,000 | 737,000 |
| Net income | 339,000 | 1,323,000 | 1,991,000 | 2,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,961,000 | 60,341,000 | 60,710,000 | 61,059,000 |
| Total capital | 63,986,000 | 64,463,000 | 65,070,000 | 65,370,000 |
| Risk-weighted assets | 320,836,000 | 328,592,000 | 347,434,000 | 343,462,000 |