Call reports 2022
PRESIDENTIAL BANK, FSB — 2022
What PRESIDENTIAL BANK, FSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 887,601,000 | 867,941,000 | 817,787,000 | 800,304,000 |
| Total loans | 534,509,000 | 569,898,000 | 611,219,000 | 615,913,000 |
| Allowance for loan losses | 7,695,000 | 7,984,000 | 8,494,000 | 8,947,000 |
| Securities available for sale | 63,834,000 | 57,438,000 | 53,263,000 | 50,315,000 |
| Securities held to maturity | 10,000,000 | 12,000,000 | 13,848,000 | 15,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,597,000 | 761,157,000 | 711,644,000 | 695,951,000 |
| Interest-bearing deposits | 752,044,000 | 722,581,000 | 676,480,000 | 663,992,000 |
| Noninterest-bearing deposits | 35,553,000 | 38,576,000 | 35,164,000 | 31,959,000 |
| Equity capital | 90,080,000 | 89,403,000 | 88,528,000 | 88,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,378,000 | 15,800,000 | 25,139,000 | 35,280,000 |
| Interest expense | 964,000 | 1,975,000 | 3,154,000 | 5,042,000 |
| Net interest income | 6,414,000 | 13,825,000 | 21,985,000 | 30,238,000 |
| Noninterest income | 4,665,000 | 9,290,000 | 12,403,000 | 15,187,000 |
| Noninterest expense | 10,734,000 | 20,656,000 | 30,138,000 | 39,335,000 |
| Provision for loan losses | 10,000 | 670,000 | 1,395,000 | 2,265,000 |
| Pretax income | 245,000 | 1,636,000 | 2,627,000 | 3,601,000 |
| Income tax | 90,000 | 453,000 | 712,000 | 898,000 |
| Net income | 155,000 | 1,183,000 | 1,915,000 | 2,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,613,000 | 92,154,000 | 92,398,000 | 92,698,000 |
| Total capital | 98,184,000 | 99,263,000 | 100,112,000 | 100,486,000 |
| Risk-weighted assets | 523,867,000 | 567,134,000 | 615,597,000 | 621,126,000 |