Call reports 2012
PROSPECT FEDERAL SAVINGS BANK — 2012
What PROSPECT FEDERAL SAVINGS 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 | 285,847,000 | 284,672,000 | 278,488,000 | 275,405,000 |
| Total loans | 62,634,000 | 62,368,000 | 60,017,000 | 57,927,000 |
| Allowance for loan losses | 627,000 | 657,000 | 664,000 | 782,000 |
| Securities available for sale | 56,360,000 | 55,052,000 | 55,670,000 | 56,752,000 |
| Securities held to maturity | 86,020,000 | 69,431,000 | 69,628,000 | 68,124,000 |
| Trading assets | 1,481,000 | 1,481,000 | 1,483,000 | 1,473,000 |
| Total deposits | 246,414,000 | 245,537,000 | 241,342,000 | 238,791,000 |
| Interest-bearing deposits | 244,707,000 | 243,687,000 | 238,918,000 | 236,293,000 |
| Noninterest-bearing deposits | 1,707,000 | 1,850,000 | 2,424,000 | 2,498,000 |
| Equity capital | 38,622,000 | 38,283,000 | 36,239,000 | 35,820,000 |
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 | 1,681,000 | 3,157,000 | 4,618,000 | 6,018,000 |
| Interest expense | 746,000 | 1,441,000 | 2,080,000 | 2,657,000 |
| Net interest income | 935,000 | 1,716,000 | 2,538,000 | 3,361,000 |
| Noninterest income | 58,000 | 147,000 | 281,000 | 377,000 |
| Noninterest expense | 1,261,000 | 2,526,000 | 3,797,000 | 4,990,000 |
| Provision for loan losses | 38,000 | 199,000 | 570,000 | 580,000 |
| Pretax income | -306,000 | -862,000 | -1,548,000 | -1,832,000 |
| Income tax | -97,000 | -278,000 | 1,101,000 | 1,148,000 |
| Net income | -209,000 | -584,000 | -2,649,000 | -2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,317,000 | 36,886,000 | 35,869,000 | 35,538,000 |
| Total capital | 37,944,000 | 37,543,000 | 36,533,000 | 36,320,000 |
| Risk-weighted assets | 88,939,000 | 92,441,000 | 85,915,000 | 86,440,000 |