Call reports 2019
PRESIDENTIAL BANK, FSB — 2019
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 539,730,000 | 565,290,000 | 630,335,000 | 617,208,000 |
| Total loans | 402,990,000 | 471,749,000 | 532,571,000 | 517,016,000 |
| Allowance for loan losses | 4,928,000 | 5,045,000 | 5,421,000 | 6,157,000 |
| Securities available for sale | 34,361,000 | 34,476,000 | 34,064,000 | 33,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,424,000 | 477,571,000 | 474,627,000 | 541,940,000 |
| Interest-bearing deposits | 448,860,000 | 456,168,000 | 452,716,000 | 517,756,000 |
| Noninterest-bearing deposits | 22,564,000 | 21,403,000 | 21,911,000 | 24,184,000 |
| Equity capital | 60,343,000 | 62,173,000 | 63,746,000 | 64,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,315,000 | 12,949,000 | 19,940,000 | 27,156,000 |
| Interest expense | 720,000 | 1,705,000 | 2,960,000 | 4,359,000 |
| Net interest income | 5,595,000 | 11,244,000 | 16,980,000 | 22,797,000 |
| Noninterest income | 4,216,000 | 11,412,000 | 19,620,000 | 25,613,000 |
| Noninterest expense | 8,902,000 | 19,191,000 | 30,258,000 | 40,287,000 |
| Provision for loan losses | 400,000 | 650,000 | 1,150,000 | 1,660,000 |
| Pretax income | 508,000 | 2,814,000 | 5,193,000 | 6,463,000 |
| Income tax | 183,000 | 810,000 | 1,460,000 | 1,833,000 |
| Net income | 324,000 | 2,003,000 | 3,730,000 | 4,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,083,000 | 62,462,000 | 63,864,000 | 64,436,000 |
| Total capital | 65,614,000 | 67,396,000 | 69,251,000 | 69,855,000 |
| Risk-weighted assets | 361,127,000 | 393,611,000 | 429,961,000 | 431,932,000 |