Call reports 2015
PROSPECT FEDERAL SAVINGS BANK — 2015
What PROSPECT FEDERAL SAVINGS 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 | 245,185,000 | 244,353,000 | 240,577,000 | 241,671,000 |
| Total loans | 45,817,000 | 43,881,000 | 44,152,000 | 44,556,000 |
| Allowance for loan losses | 756,000 | 713,000 | 965,000 | 962,000 |
| Securities available for sale | 27,234,000 | 28,440,000 | 22,260,000 | 27,654,000 |
| Securities held to maturity | 96,068,000 | 98,798,000 | 104,136,000 | 104,637,000 |
| Trading assets | 1,477,000 | 1,471,000 | 1,469,000 | 1,455,000 |
| Total deposits | 211,885,000 | 211,180,000 | 207,471,000 | 208,987,000 |
| Interest-bearing deposits | 209,789,000 | 208,624,000 | 205,352,000 | 206,442,000 |
| Noninterest-bearing deposits | 2,096,000 | 2,556,000 | 2,119,000 | 2,545,000 |
| Equity capital | 32,580,000 | 32,428,000 | 32,315,000 | 31,930,000 |
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 | 1,251,000 | 2,533,000 | 3,845,000 | 5,173,000 |
| Interest expense | 346,000 | 697,000 | 1,048,000 | 1,400,000 |
| Net interest income | 905,000 | 1,836,000 | 2,797,000 | 3,773,000 |
| Noninterest income | 11,000 | 82,000 | 148,000 | 196,000 |
| Noninterest expense | 1,274,000 | 2,468,000 | 3,730,000 | 5,013,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -349,000 | -405,000 | -598,000 | -850,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -349,000 | -405,000 | -598,000 | -850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,507,000 | 32,451,000 | 32,258,000 | 32,006,000 |
| Total capital | 33,265,000 | 33,166,000 | 33,149,000 | 32,928,000 |
| Risk-weighted assets | 72,081,000 | 71,850,000 | 71,013,000 | 73,711,000 |