Call reports 2013
PROSPECT FEDERAL SAVINGS BANK — 2013
What PROSPECT FEDERAL SAVINGS 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 | 271,985,000 | 270,113,000 | 263,183,000 | 259,876,000 |
| Total loans | 56,910,000 | 55,785,000 | 54,399,000 | 52,799,000 |
| Allowance for loan losses | 812,000 | 842,000 | 854,000 | 880,000 |
| Securities available for sale | 65,759,000 | 78,103,000 | 72,419,000 | 68,663,000 |
| Securities held to maturity | 66,697,000 | 62,533,000 | 73,677,000 | 69,850,000 |
| Trading assets | 1,467,000 | 1,455,000 | 1,482,000 | 1,479,000 |
| Total deposits | 236,282,000 | 236,563,000 | 229,625,000 | 227,238,000 |
| Interest-bearing deposits | 234,313,000 | 234,360,000 | 227,750,000 | 224,771,000 |
| Noninterest-bearing deposits | 1,969,000 | 2,203,000 | 1,875,000 | 2,467,000 |
| Equity capital | 34,960,000 | 32,677,000 | 32,683,000 | 31,784,000 |
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 | 1,286,000 | 2,615,000 | 4,023,000 | 5,390,000 |
| Interest expense | 501,000 | 977,000 | 1,438,000 | 1,880,000 |
| Net interest income | 785,000 | 1,638,000 | 2,585,000 | 3,510,000 |
| Noninterest income | 32,000 | 75,000 | 119,000 | 138,000 |
| Noninterest expense | 1,227,000 | 2,452,000 | 3,628,000 | 4,721,000 |
| Provision for loan losses | 384,000 | 550,000 | 674,000 | 749,000 |
| Pretax income | -794,000 | -1,289,000 | -1,585,000 | -1,809,000 |
| Income tax | 23,000 | 591,000 | 83,000 | 83,000 |
| Net income | -817,000 | -1,880,000 | -1,668,000 | -1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,721,000 | 33,658,000 | 33,254,000 | 33,646,000 |
| Total capital | 35,533,000 | 34,500,000 | 34,108,000 | 34,526,000 |
| Risk-weighted assets | 84,198,000 | 83,394,000 | 85,632,000 | 85,258,000 |