Call reports 2003
PRISM BANK — 2003
What PRISM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,480,000 | 43,674,000 | 44,726,000 | 42,069,000 |
| Total loans | 29,947,000 | 27,258,000 | 24,346,000 | 22,452,000 |
| Allowance for loan losses | 475,000 | 569,000 | 579,000 | 798,000 |
| Securities available for sale | 8,069,000 | 8,293,000 | 13,757,000 | 13,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,036,000 | 38,877,000 | 40,054,000 | 37,708,000 |
| Interest-bearing deposits | 35,698,000 | 33,671,000 | 35,333,000 | 33,229,000 |
| Noninterest-bearing deposits | 5,337,000 | 5,206,000 | 4,721,000 | 4,479,000 |
| Equity capital | 4,326,000 | 4,679,000 | 4,532,000 | 4,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,372,000 | 1,969,000 | 2,489,000 |
| Interest expense | 237,000 | 445,000 | 647,000 | 832,000 |
| Net interest income | 441,000 | 927,000 | 1,322,000 | 1,657,000 |
| Noninterest income | 170,000 | 296,000 | 420,000 | 529,000 |
| Noninterest expense | 472,000 | 965,000 | 1,425,000 | 1,886,000 |
| Provision for loan losses | 186,000 | 813,000 | 949,000 | 2,209,000 |
| Pretax income | -46,000 | -554,000 | -631,000 | -1,854,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -46,000 | -554,000 | -631,000 | -1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,346,000 | 3,587,000 | 3,510,000 | 3,288,000 |
| Total capital | 3,754,000 | 3,965,000 | 3,860,000 | 3,618,000 |
| Risk-weighted assets | 32,539,000 | 30,082,000 | 27,806,000 | 25,901,000 |