Call reports 2004
PRISM BANK — 2004
What PRISM BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,343,000 | 39,228,000 | 37,484,000 | 35,920,000 |
| Total loans | 20,197,000 | 19,823,000 | 18,877,000 | 18,582,000 |
| Allowance for loan losses | 749,000 | 641,000 | 585,000 | 603,000 |
| Securities available for sale | 13,315,000 | 12,425,000 | 11,121,000 | 9,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,742,000 | 35,049,000 | 33,540,000 | 32,373,000 |
| Interest-bearing deposits | 31,859,000 | 30,013,000 | 28,333,000 | 26,396,000 |
| Noninterest-bearing deposits | 4,882,000 | 5,037,000 | 5,208,000 | 5,978,000 |
| Equity capital | 4,244,000 | 3,792,000 | 3,875,000 | 3,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,031,000 | 1,497,000 | 2,034,000 |
| Interest expense | 164,000 | 321,000 | 463,000 | 579,000 |
| Net interest income | 353,000 | 710,000 | 1,034,000 | 1,455,000 |
| Noninterest income | 117,000 | 237,000 | 300,000 | 394,000 |
| Noninterest expense | 459,000 | 929,000 | 1,371,000 | 2,033,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 400,000 |
| Pretax income | -24,000 | -107,000 | -220,000 | -514,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -24,000 | -107,000 | -220,000 | -514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,264,000 | 3,170,000 | 3,048,000 | 2,735,000 |
| Total capital | 3,571,000 | 3,464,000 | 3,324,000 | 3,002,000 |
| Risk-weighted assets | 24,146,000 | 23,202,000 | 21,800,000 | 21,010,000 |