Call reports 2014
PREFERRED COMMUNITY BANK — 2014
What PREFERRED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 86,610,000 | 88,414,000 | 89,370,000 | 93,197,000 |
| Total loans | 64,437,000 | 63,662,000 | 66,316,000 | 69,114,000 |
| Allowance for loan losses | 896,000 | 899,000 | 902,000 | 904,000 |
| Securities available for sale | 10,771,000 | 10,990,000 | 11,024,000 | 9,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,027,000 | 75,635,000 | 76,507,000 | 78,238,000 |
| Interest-bearing deposits | 63,269,000 | 64,433,000 | 64,563,000 | 65,472,000 |
| Noninterest-bearing deposits | 9,758,000 | 11,202,000 | 11,944,000 | 12,766,000 |
| Equity capital | 10,493,000 | 10,666,000 | 10,769,000 | 10,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,730,000 | 2,632,000 | 3,550,000 |
| Interest expense | 123,000 | 242,000 | 362,000 | 482,000 |
| Net interest income | 742,000 | 1,488,000 | 2,270,000 | 3,068,000 |
| Noninterest income | 98,000 | 191,000 | 275,000 | 358,000 |
| Noninterest expense | 688,000 | 1,431,000 | 2,157,000 | 2,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 180,000 | 341,000 | 482,000 | 584,000 |
| Income tax | 67,000 | 132,000 | 188,000 | 229,000 |
| Net income | 113,000 | 209,000 | 294,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,420,000 | 8,596,000 | 8,750,000 | 8,869,000 |
| Total capital | 9,102,000 | 9,301,000 | 9,472,000 | 9,608,000 |
| Risk-weighted assets | 55,087,000 | 57,031,000 | 57,525,000 | 60,116,000 |