Call reports 2015
PREFERRED COMMUNITY BANK — 2015
What PREFERRED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,724,000 | 93,315,000 | 93,764,000 | 100,735,000 |
| Total loans | 74,239,000 | 76,261,000 | 77,299,000 | 78,175,000 |
| Allowance for loan losses | 906,000 | 908,000 | 946,000 | 958,000 |
| Securities available for sale | 5,822,000 | 5,935,000 | 5,303,000 | 5,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,909,000 | 78,338,000 | 78,621,000 | 83,430,000 |
| Interest-bearing deposits | 64,197,000 | 63,073,000 | 62,182,000 | 65,118,000 |
| Noninterest-bearing deposits | 14,712,000 | 15,265,000 | 16,439,000 | 18,312,000 |
| Equity capital | 11,228,000 | 11,342,000 | 11,514,000 | 11,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,935,000 | 2,960,000 | 3,882,000 |
| Interest expense | 111,000 | 219,000 | 322,000 | 419,000 |
| Net interest income | 813,000 | 1,716,000 | 2,638,000 | 3,463,000 |
| Noninterest income | 309,000 | 438,000 | 542,000 | 688,000 |
| Noninterest expense | 766,000 | 1,585,000 | 2,390,000 | 3,031,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 55,000 |
| Pretax income | 363,000 | 596,000 | 796,000 | 1,092,000 |
| Income tax | 143,000 | 232,000 | 307,000 | 418,000 |
| Net income | 220,000 | 364,000 | 489,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,246,000 | 9,495,000 | 9,714,000 | 10,033,000 |
| Total capital | 10,042,000 | 10,296,000 | 10,540,000 | 10,890,000 |
| Risk-weighted assets | 62,373,000 | 62,807,000 | 64,848,000 | 67,519,000 |