Call reports 2021
PRESIDENTIAL BANK, FSB — 2021
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 856,465,000 | 884,999,000 | 892,683,000 | 887,431,000 |
| Total loans | 602,076,000 | 544,458,000 | 576,183,000 | 537,861,000 |
| Allowance for loan losses | 8,459,000 | 8,122,000 | 8,231,000 | 8,047,000 |
| Securities available for sale | 21,869,000 | 28,801,000 | 34,588,000 | 43,302,000 |
| Securities held to maturity | 1,500,000 | 5,500,000 | 5,500,000 | 10,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 747,341,000 | 778,092,000 | 787,945,000 | 785,094,000 |
| Interest-bearing deposits | 719,622,000 | 748,255,000 | 751,709,000 | 747,506,000 |
| Noninterest-bearing deposits | 27,719,000 | 29,837,000 | 36,236,000 | 37,588,000 |
| Equity capital | 89,601,000 | 92,141,000 | 91,145,000 | 92,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,545,000 | 14,996,000 | 22,502,000 | 30,316,000 |
| Interest expense | 1,184,000 | 2,404,000 | 3,494,000 | 4,430,000 |
| Net interest income | 6,361,000 | 12,592,000 | 19,008,000 | 25,886,000 |
| Noninterest income | 17,074,000 | 27,219,000 | 37,833,000 | 43,693,000 |
| Noninterest expense | 14,552,000 | 26,936,000 | 38,933,000 | 49,306,000 |
| Provision for loan losses | -100,000 | -365,000 | -165,000 | -115,000 |
| Pretax income | 8,948,000 | 13,209,000 | 18,035,000 | 20,331,000 |
| Income tax | 2,443,000 | 3,607,000 | 4,888,000 | 5,459,000 |
| Net income | 6,505,000 | 9,602,000 | 13,147,000 | 14,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,879,000 | 91,600,000 | 90,683,000 | 91,946,000 |
| Total capital | 95,186,000 | 97,802,000 | 97,241,000 | 98,387,000 |
| Risk-weighted assets | 501,773,000 | 493,572,000 | 522,269,000 | 513,019,000 |