Call reports 2016
PROSPECT FEDERAL SAVINGS BANK — 2016
What PROSPECT FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 240,523,000 | 240,833,000 | 238,420,000 | 239,636,000 |
| Total loans | 44,621,000 | 47,575,000 | 51,959,000 | 54,954,000 |
| Allowance for loan losses | 960,000 | 949,000 | 957,000 | 1,043,000 |
| Securities available for sale | 20,520,000 | 22,347,000 | 20,416,000 | 21,233,000 |
| Securities held to maturity | 99,942,000 | 97,779,000 | 95,057,000 | 97,870,000 |
| Trading assets | 1,451,000 | 1,449,000 | 1,439,000 | 1,431,000 |
| Total deposits | 207,975,000 | 208,311,000 | 206,315,000 | 207,387,000 |
| Interest-bearing deposits | 205,847,000 | 205,839,000 | 203,916,000 | 204,064,000 |
| Noninterest-bearing deposits | 2,128,000 | 2,472,000 | 2,399,000 | 3,323,000 |
| Equity capital | 31,813,000 | 31,681,000 | 31,372,000 | 31,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,624,000 | 3,995,000 | 5,364,000 |
| Interest expense | 357,000 | 723,000 | 1,091,000 | 1,462,000 |
| Net interest income | 946,000 | 1,901,000 | 2,904,000 | 3,902,000 |
| Noninterest income | 75,000 | 148,000 | 211,000 | 1,084,000 |
| Noninterest expense | 1,317,000 | 2,601,000 | 3,933,000 | 5,333,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | -228,000 | -427,000 | -695,000 | -324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -228,000 | -427,000 | -695,000 | -324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,778,000 | 31,579,000 | 31,311,000 | 31,682,000 |
| Total capital | 32,690,000 | 32,500,000 | 32,268,000 | 32,614,000 |
| Risk-weighted assets | 72,860,000 | 73,507,000 | 76,534,000 | 74,061,000 |