Call reports 2015
PREVAIL BANK — 2015
What PREVAIL 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 | 617,452,000 | 613,062,000 | 612,147,000 | 614,922,000 |
| Total loans | 367,809,000 | 367,298,000 | 366,520,000 | 366,156,000 |
| Allowance for loan losses | 800,000 | 800,000 | 800,000 | 800,000 |
| Securities available for sale | 216,081,000 | 210,929,000 | 205,896,000 | 212,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,178,000 | 490,591,000 | 487,492,000 | 489,530,000 |
| Interest-bearing deposits | 485,416,000 | 481,811,000 | 477,906,000 | 477,678,000 |
| Noninterest-bearing deposits | 9,762,000 | 8,780,000 | 9,586,000 | 11,852,000 |
| Equity capital | 120,677,000 | 121,228,000 | 122,817,000 | 123,615,000 |
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 | 4,427,000 | 8,838,000 | 13,212,000 | 17,613,000 |
| Interest expense | 734,000 | 1,463,000 | 2,187,000 | 2,903,000 |
| Net interest income | 3,693,000 | 7,375,000 | 11,025,000 | 14,710,000 |
| Noninterest income | 81,000 | 79,000 | 74,000 | 102,000 |
| Noninterest expense | 2,048,000 | 4,090,000 | 6,000,000 | 8,120,000 |
| Provision for loan losses | 20,000 | 5,000 | 8,000 | 74,000 |
| Pretax income | 1,706,000 | 3,359,000 | 5,091,000 | 6,630,000 |
| Income tax | 584,000 | 1,142,000 | 1,727,000 | 2,214,000 |
| Net income | 1,122,000 | 2,217,000 | 3,364,000 | 4,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,922,000 | 121,017,000 | 122,164,000 | 123,216,000 |
| Total capital | 120,722,000 | 121,817,000 | 122,964,000 | 124,016,000 |
| Risk-weighted assets | 238,046,000 | 238,680,000 | 238,711,000 | 239,269,000 |