Presidential Bank Fsb Mortgage Rates, Fees & Info

Bethesda, MD

LEI: 54930078TNN7GKZ7NU89

Tax ID: 52-1377663

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Presidential Bank Fsb is a smaller bank specializing in Home Purchase loans. Presidential Bank Fsb has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Baltimore, Richmond, Philadelphia, and California among others. We have data for 85 markets. (Some data included below & more in-depth data is available with an active subscription.)

Presidential Bank Fsb has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Presidential Bank Fsb is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.69%	4/19/24
30 Year Conventional Refi	7.20%	4/19/24
30 Year Cash-out Refi	6.80%	4/19/24
30 Year FHA Purchase	7.48%	4/19/24
30 Year FHA Refi	7.24%	4/19/24
30 Year VA Purchase	6.32%	4/19/24
30 Year VA Refi	6.01%	4/19/24
30 Year USDA Purchase	6.64%	4/19/24
15 Year Conventional Purchase	6.05%	4/19/24
15 Year Conventional Refi	6.16%	4/19/24
15 Year Cash-out Refi	6.16%	4/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Presidential Bank Fsb Mortgage Calculator

Purchase Price:

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% Deposit:

Interest Rate:

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This is not an official calculator from Presidential Bank Fsb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

2,891

Origination Dollar Volume (All Markets)

$886,785,000

Employee count

277

Awards

Show all (7) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1,006	$367,860,000	$365,666	$6,134	5.10%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	420	$137,480,000	$327,333	$5,867	4.64%
RICHMOND, VA (FHA\|USDA\|VA)	487	$89,635,000	$184,055	$4,670	4.72%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	304	$82,410,000	$271,086	$5,797	4.56%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	172	$51,270,000	$298,081	$5,207	4.56%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	82	$26,950,000	$328,659	$4,824	4.62%
OCEAN CITY, NJ (FHA\|USDA\|VA)	42	$17,760,000	$422,857	$5,077	4.37%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	59	$17,055,000	$289,068	$5,532	13.66%
SALISBURY, MD-DE (FHA\|USDA\|VA)	47	$12,555,000	$267,128	$4,943	4.72%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	45	$11,095,000	$246,556	$4,525	4.86%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	26	$7,990,000	$307,308	$4,389	4.59%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	16	$6,640,000	$415,000	$4,603	4.31%
Outside of Metro Areas	31	$6,575,000	$212,097	$5,095	4.67%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$5,065,000	$1,688,333	$3,140	5.29%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	3	$3,045,000	$1,015,000	$5,945	4.54%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	10	$2,140,000	$214,000	$5,965	4.70%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	2	$2,060,000	$1,030,000	$3,370	4.94%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	8	$2,050,000	$256,250	$5,182	4.66%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	8	$2,020,000	$252,500	$4,885	4.64%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	7	$1,735,000	$247,857	$3,460	4.52%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	4	$1,610,000	$402,500	$6,423	5.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	3	$1,555,000	$518,333	$6,015	4.83%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	4	$1,300,000	$325,000	$3,598	4.63%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	1	$1,265,000	$1,265,000	$0	5.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	4	$1,190,000	$297,500	$6,685	4.56%
YORK-HANOVER, PA (FHA\|USDA\|VA)	4	$1,190,000	$297,500	$3,007	4.78%
READING, PA (FHA\|USDA\|VA)	7	$1,135,000	$162,143	$4,458	4.93%
GREENVILLE, NC (FHA\|USDA\|VA)	2	$1,060,000	$530,000	$3,189	5.38%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	2	$1,010,000	$505,000	$3,502	4.44%
Roanoke Rapids, NC (FHA\|USDA\|VA)	3	$1,005,000	$335,000	$3,523	4.42%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$920,000	$460,000	$5,396	4.63%
GETTYSBURG, PA (FHA\|USDA\|VA)	4	$900,000	$225,000	$6,594	4.91%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$870,000	$435,000	$4,730	4.69%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	3	$845,000	$281,667	$5,254	3.83%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	3	$845,000	$281,667	$3,542	4.63%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	2	$830,000	$415,000	$4,793	4.81%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	3	$815,000	$271,667	$5,506	4.42%
DOVER, DE (FHA\|USDA\|VA)	4	$810,000	$202,500	$2,719	4.63%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	2	$800,000	$400,000	$6,691	4.75%
BOULDER, CO (FHA\|USDA\|VA)	1	$775,000	$775,000	$4,523	4.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	2	$670,000	$335,000	$7,028	4.63%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$640,000	$320,000	$2,953	3.69%
Kill Devil Hills, NC (FHA\|USDA\|VA)	2	$630,000	$315,000	$2,559	4.75%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$590,000	$295,000	$7,859	4.69%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	3	$565,000	$188,333	$6,184	4.58%
WILMINGTON, NC (FHA\|USDA\|VA)	2	$510,000	$255,000	$3,224	4.69%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	1	$455,000	$455,000	$5,091	4.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$435,000	$435,000	$7,988	4.75%
Keene, NH (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,259	4.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$4,625	4.75%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$340,000	$170,000	$4,548	4.44%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,162	4.63%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,436	4.88%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$305,000	$305,000	$8,710	4.38%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,763	4.63%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$295,000	$295,000	$7,073	5.00%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,522	5.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,814	4.38%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$255,000	$255,000	$1,993	4.50%
Key West, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,010	4.50%
BAKERSFIELD, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,663	3.88%
ROANOKE, VA (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,729	4.75%
SANTA FE, NM (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,903	4.50%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,009	4.38%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,825	4.50%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,095	4.63%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$225,000	$225,000	$11,340	4.50%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,250	3.75%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,489	4.63%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,276	5.38%
Georgetown, SC (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,937	4.75%
RENO, NV (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,624	4.88%
Dayton, TN (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,142	4.50%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,824	4.88%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,331	4.88%
HARRISONBURG, VA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,597	5.00%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,591	5.00%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,047	4.25%
MANSFIELD, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,764	4.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,975	5.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,201	4.50%
Easton, MD (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,958	4.38%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,971	5.00%
Farmington, MO (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,819	5.13%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,279	5.75%

Presidential Bank Fsb's top markets include Washington, Baltimore, Richmond, Philadelphia, and California among others.

Their top states include:

Maryland (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,956	$616,900,000	$315,389	$4,564	5.20%
FHA	441	$105,915,000	$240,170	$8,089	4.59%
VA	367	$136,835,000	$372,847	$7,866	4.43%
USDA	127	$27,135,000	$213,661	$5,693	4.52%

For 2018, Presidential Bank Fsb's most frequently originated type of loan was Conventional, with 1,956 originations. Their 2nd most popular type was FHA, with 441 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,482	$748,300,000	$301,491	$5,772	4.65%
Cash Out Refi	204	$66,920,000	$328,039	$4,460	9.38%
Refi	180	$63,110,000	$350,611	$3,703	4.57%
NA	10	$4,560,000	$456,000	$9,595	4.81%
Other	9	$1,945,000	$216,111	$4,592	4.75%
Home Improvement	6	$1,950,000	$325,000	$4,048	4.77%

For 2018, Presidential Bank Fsb's most frequently cited loan purpose was Home Purchase, with 2,482 originations. The 2nd most popular reason was Cash Out Refi, with 204 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,717	$827,015,000	$304,385	$5,640	5.02%
15 Year	97	$24,315,000	$250,670	$3,951	4.18%
20 Year	33	$9,015,000	$273,182	$3,625	4.61%
10 Year	23	$17,445,000	$758,478	$3,435	4.75%
Other	9	$3,055,000	$339,444	$4,194	4.84%
1 Year	6	$1,390,000	$231,667	$0	5.92%
30+ year	3	$1,125,000	$375,000	$10,081	4.67%
3 Year	2	$2,970,000	$1,485,000	$0	5.13%
5 Year	1	$455,000	$455,000	$0	5.25%

For 2018, Presidential Bank Fsb's most frequently cited loan duration was 30 Year, with 2,717 originations. The 2nd most popular length was 15 Year, with 97 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,234	$368,230,000	$298,404
$1k-2k	1,025	$289,055,000	$282,005
$2k-3k	186	$55,410,000	$297,903
$5k+	135	$63,715,000	$471,963
$3k-4k	100	$32,650,000	$326,500
$4k-5k	77	$25,665,000	$333,312

Presidential Bank Fsb's average total fees were $5,640, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,234 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	2,259	$705,225,000	$312,185
5-6%	362	$98,740,000	$272,762
3-4%	260	$80,120,000	$308,154
6-7%	8	$1,580,000	$197,500
Over 8%	2	$1,120,000	$560,000

During 2018, Presidential Bank Fsb's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 4-5%, with 2,259 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,466	$416,080,000	$283,820	$5,692	4.62%
$100k-200k	637	$100,895,000	$158,391	$4,200	4.71%
$400k-600k	541	$256,375,000	$473,891	$6,871	5.60%
$100,000 or less	119	$5,965,000	$50,126	$2,208	4.83%
$600k-1MM	109	$75,645,000	$693,991	$8,141	8.61%
$1MM+	19	$31,825,000	$1,675,000	$9,458	4.75%

2018 saw Presidential Bank Fsb place emphasis on $200k-400k loans with 1,466 originations, totaling $416,080,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	738	$245,500,000	$332,656	$5,966	4.63%
$50k-75k	634	$135,590,000	$213,864	$5,160	4.67%
$75k-100k	509	$139,365,000	$273,802	$5,622	4.63%
$150k-250k	504	$206,230,000	$409,187	$6,000	5.70%
$50k or less	297	$43,505,000	$146,481	$4,365	4.68%
$250k+	177	$92,315,000	$521,554	$5,780	7.04%

Presidential Bank Fsb lent most frequently to those with incomes in the $100k-150k range, with 738 originations. The second most popular income band? $50k-75k, with 634 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	526	$167,380,000	$318,213	$5,560	4.64%
20-30%	522	$161,140,000	$308,697	$4,945	5.43%
<20%	175	$37,625,000	$215,000	$3,436	4.62%
44%	165	$46,955,000	$284,576	$5,970	4.72%
43%	134	$34,500,000	$257,463	$5,091	4.68%
42%	133	$41,005,000	$308,308	$5,781	4.68%
41%	128	$40,640,000	$317,500	$6,308	4.73%
39%	127	$39,645,000	$312,165	$5,455	8.86%
38%	121	$36,575,000	$302,273	$5,547	4.61%
40%	118	$39,870,000	$337,881	$5,847	4.64%
37%	118	$38,310,000	$324,661	$5,928	4.67%
49%	111	$34,725,000	$312,838	$6,790	4.64%
36%	97	$28,835,000	$297,268	$5,272	4.70%
48%	94	$28,920,000	$307,660	$6,795	4.63%
45%	89	$25,065,000	$281,629	$6,167	4.64%
47%	89	$26,345,000	$296,011	$6,095	4.60%
46%	85	$25,635,000	$301,588	$6,392	4.54%
50-60%	26	$9,130,000	$351,154	$8,891	4.52%
>60%	2	$950,000	$475,000	$4,510	4.69%

Presidential Bank Fsb lent most frequently to those with DTI ratios of 30-36%, with 526 originations. The next most common DTI ratio? 20-30%, with 522 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,108	$641,330,000	$304,236	$5,478	5.09%
Not provided	417	$133,285,000	$319,628	$5,806	4.67%
Black	220	$55,380,000	$251,727	$5,554	4.66%
Asian	106	$30,460,000	$287,358	$6,038	4.64%
Not applicable	25	$22,355,000	$894,200	$0	5.34%
Native Hawaiian or Islander	9	$2,295,000	$255,000	$5,189	4.49%
American Indian	4	$900,000	$225,000	$5,798	4.66%
Filipino	1	$485,000	$485,000	$10,238	4.63%
Guamanian	1	$295,000	$295,000	$3,199	4.75%

Approval Rates

Total approvals of all applications
95.00%

Presidential Bank Fsb has an average approval rate.

Pick Rate

Approvals leading to origination
90.14%

Presidential Bank Fsb has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,891	$886,785,000	$306,740

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	1	$945,000	$945,000
Multifamily:Site-Built	13	$17,535,000	$1,348,846
Single Family (1-4 Units):Manufactured	1	$85,000	$85,000
Single Family (1-4 Units):Site-Built	2,876	$868,220,000	$301,885

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	70	$11,730,000	$167,571	$3,339	4.62%
40-60%	186	$51,460,000	$276,667	$3,995	6.89%
60-80%	653	$229,455,000	$351,386	$4,497	5.50%
80-100%	1,771	$535,675,000	$302,470	$5,880	4.65%
Over 100%	159	$54,105,000	$340,283	$10,293	4.51%
Under 20%	44	$4,210,000	$95,682	$606	4.85%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
PARKSIDE LENDING, LLC	Conventional home mortgage	Trouble during payment process	2	66.7%
PARKSIDE LENDING, LLC	VA mortgage	Trouble during payment process	1	33.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Presidential Bank, FSB	11640 Rockville Pike Rockville, MD 20852	Full Service B&M	$40,842
Presidential Bank, FSB	1660 K Street Washington, DC 20006	Full Service B&M	$40,002
Presidential Bank, FSB	1675 Reston Pkwy Reston, VA 20194	Full Service Retail	$9,617
Presidential Bank, FSB	1700 North Moore Street Arlington, VA 22209	Full Service B&M	$15,545
Presidential Bank, FSB	1861 International Dr Ste 3 Mclean, VA 22102	Full Service B&M	$15,048
Presidential Bank, FSB	21 Catoctin Cir Se Leesburg, VA 20175	Full Service B&M	$11,843
Presidential Bank, FSB	4520 East-West Highway Bethesda, MD 20814	Full Service B&M	$61,348
Presidential Bank, FSB	4520 East-West Hwy Bethesda, MD 20814	Full Service Cyber Office	$238,287
Presidential Bank, FSB	6707 Old Dominion Drive Mclean, VA 22101	Full Service B&M	$17,973
Presidential Bank, FSB	901 N. Stuart Street Arlington, VA 22203	Full Service B&M	$8,871

For 2018, Presidential Bank Fsb had 10 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$23,907
Net interest income	$22,166
Total noninterest income	$18,367
Gross Fiduciary activities income	$4
Service charges on deposit accounts	$68
Trading account gains and fees	$0
Additional Noninterest Income	$18,295
Pre-tax net operating income	$3,382
Securities gains (or losses, -)	$-1
Income before extraordinary items	$2,644
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$2,644
Minority interest net income	$4
Net income	$2,640
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$2,644

Presidential Bank Fsb's gross interest income from loans was $23,907,000.
Presidential Bank Fsb's net interest income from loans was $22,166,000.
Presidential Bank Fsb's fee based income from loans was $68,000.
Presidential Bank Fsb's net income from loans was $2,640,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,741
Provision for credit losses	$950
Total noninterest expense	$36,201
Salaries and employee benefits	$23,854
Premises and equipment expense	$3,927
Additional noninterest expense	$8,420
Applicable income taxes	$737
Net charge-offs	$417
Cash dividends	$1,200

Presidential Bank Fsb's interest expense for loans was $1,741,000.
Presidential Bank Fsb's payroll and benefits expense were $23,854,000.
Presidential Bank Fsb's property, plant and equipment expenses $3,927,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$464,493
Deposits held in domestic offices	$464,493
Deposits by Individuals, partnerships, and corporations	$464,493
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$0
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$72,825
Demand deposits	$3,132
Nontransaction accounts	$391,668
Money market deposit accounts (MMDAs)	$205,187
Other savings deposits (excluding MMDAs)	$123,838
Total time deposits	$62,643
Total time and savings deposits	$461,361
Noninterest-bearing deposits	$22,378
Interest-bearing deposits	$442,115
Retail deposits	$455,614
IRAs and Keogh plan accounts	$3,713
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$532,730
Cash & Balances due from depository institutions	$75,901
Interest-bearing balances	$74,921
Total securities	$34,414
Federal funds sold & reverse repurchase	$0
Net loans and leases	$395,705
Loan and leases loss allowance	$4,742
Trading account assets	$0
Bank premises and fixed assets	$2,948
Other real estate owned	$1,103
Goodwill and other intangibles	$0
All other assets	$22,659

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$532,730
Total Liabilities	$471,336
Total deposits	$464,493
Interest-bearing deposits	$442,115
Deposits held in domestic offices	$464,493
% insured (estimated)	$81
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$6,843

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$395,705
Loan and leases loss allowance	$4,742
Total loans and leases (domestic)	$400,447
All real estate loans	$363,899
Real estate loans in domestic offices	$363,899
Construction and development loans	$43,999
Residential 1-4 family construction	$26,515
Other construction, all land development and other land	$17,484
Loans secured by nonfarm nonresidential properties	$113,758
Nonfarm nonresidential secured by owner-occupied properties	$6,886
Commercial real estate & other non-farm, non-residential	$106,872
Multifamily residential real estate	$41,944
1-4 family residential loans	$164,198
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$23,426
To non-U.S. addressees	$0
Loans to individuals	$13,065
Credit card loans	$0
Related Plans	$408
Consumer Auto Loans	$0
Other loans to individuals	$12,657
All other loans & leases	$57
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$2,567
Non 1-4 family restructured loans & leases	$290
Total loans and leases (foreign)	$0

Presidential Bank FSB had $395,705,000 of loans outstanding in 2018. $363,899,000 of loans were in real estate loans. $43,999,000 of loans were in development loans. $41,944,000 of loans were in multifamily mortgage loans. $164,198,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	51	$22,090	$433,137
Nonfarm, nonresidential loans - <$100k	2	$124	$62,000
Nonfarm, nonresidential loans - $100-250k	8	$902	$112,750
Nonfarm, nonresidential loans - $250k-1MM	41	$21,064	$513,756
Commercial & Industrial, US addressed loans - <$1MM	32	$5,646	$176,438
Commercial & Industrial, US addressed loans - <$100k	2	$125	$62,500
Commercial & Industrial, US addressed loans - $100-250k	9	$687	$76,333
Commercial & Industrial, US addressed loans - $250k-1MM	21	$4,834	$230,190