Call reports 2013
PREVAIL BANK — 2013
What PREVAIL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 618,965,000 | 623,777,000 | 626,288,000 | 624,320,000 |
| Total loans | 388,234,000 | 384,059,000 | 383,564,000 | 381,957,000 |
| Allowance for loan losses | 800,000 | 800,000 | 800,000 | 800,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 202,534,000 | 211,121,000 | 213,468,000 | 211,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,778,000 | 509,067,000 | 510,233,000 | 506,524,000 |
| Interest-bearing deposits | 499,844,000 | 503,491,000 | 502,233,000 | 498,975,000 |
| Noninterest-bearing deposits | 5,934,000 | 5,576,000 | 8,000,000 | 7,549,000 |
| Equity capital | 112,117,000 | 113,742,000 | 115,150,000 | 116,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,977,000 | 9,950,000 | 14,795,000 | 19,571,000 |
| Interest expense | 970,000 | 1,904,000 | 2,812,000 | 3,678,000 |
| Net interest income | 4,007,000 | 8,046,000 | 11,983,000 | 15,893,000 |
| Noninterest income | 36,000 | -61,000 | 145,000 | 190,000 |
| Noninterest expense | 1,611,000 | 2,945,000 | 5,172,000 | 7,320,000 |
| Provision for loan losses | 19,000 | 150,000 | 197,000 | 218,000 |
| Pretax income | 2,423,000 | 4,928,000 | 6,759,000 | 8,545,000 |
| Income tax | 1,040,000 | 1,920,000 | 2,343,000 | 3,173,000 |
| Net income | 1,383,000 | 3,008,000 | 4,416,000 | 5,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,117,000 | 113,742,000 | 115,150,000 | 116,106,000 |
| Total capital | 112,917,000 | 114,542,000 | 115,950,000 | 116,906,000 |
| Risk-weighted assets | 240,822,000 | 240,728,000 | 240,561,000 | 241,234,000 |
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