Call reports 2012
PREVAIL BANK — 2012
What PREVAIL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 616,663,000 | 616,398,000 | 614,860,000 | 616,792,000 |
| Total loans | 372,463,000 | 376,840,000 | 380,083,000 | 389,150,000 |
| Allowance for loan losses | 800,000 | 800,000 | 800,000 | 800,000 |
| Securities available for sale | 28,000 | 0 | 0 | 0 |
| Securities held to maturity | 220,022,000 | 214,368,000 | 212,278,000 | 196,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 510,688,000 | 508,293,000 | 504,196,000 | 504,235,000 |
| Interest-bearing deposits | 505,688,000 | 503,216,000 | 486,736,000 | 497,012,000 |
| Noninterest-bearing deposits | 5,000,000 | 5,077,000 | 17,460,000 | 7,223,000 |
| Equity capital | 104,819,000 | 107,081,000 | 109,423,000 | 110,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,152,000 | 11,903,000 | 18,198,000 | 23,558,000 |
| Interest expense | 1,368,000 | 2,619,000 | 3,766,000 | 4,821,000 |
| Net interest income | 4,784,000 | 9,284,000 | 14,432,000 | 18,737,000 |
| Noninterest income | 46,000 | 47,000 | 5,000 | -68,000 |
| Noninterest expense | 1,544,000 | 2,701,000 | 4,192,000 | 5,970,000 |
| Provision for loan losses | 45,000 | 72,000 | 141,000 | 238,000 |
| Pretax income | 3,277,000 | 6,640,000 | 10,212,000 | 12,583,000 |
| Income tax | 1,340,000 | 2,490,000 | 3,718,000 | 4,778,000 |
| Net income | 2,006,000 | 4,219,000 | 6,563,000 | 7,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,866,000 | 107,081,000 | 109,423,000 | 110,734,000 |
| Total capital | 105,666,000 | 107,881,000 | 110,223,000 | 111,534,000 |
| Risk-weighted assets | 233,109,000 | 235,949,000 | 240,153,000 | 243,759,000 |
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