Call reports 2005
PRISM BANK — 2005
What PRISM BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,861,000 | 36,705,000 | 35,743,000 | 35,286,000 |
| Total loans | 20,389,000 | 21,140,000 | 21,261,000 | 21,864,000 |
| Allowance for loan losses | 555,000 | 486,000 | 496,000 | 481,000 |
| Securities available for sale | 8,930,000 | 8,769,000 | 8,344,000 | 8,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,440,000 | 32,071,000 | 31,759,000 | 31,158,000 |
| Interest-bearing deposits | 26,004,000 | 25,648,000 | 25,117,000 | 24,255,000 |
| Noninterest-bearing deposits | 6,436,000 | 6,423,000 | 6,642,000 | 6,903,000 |
| Equity capital | 3,346,000 | 3,412,000 | 3,345,000 | 3,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 986,000 | 1,490,000 | 2,010,000 |
| Interest expense | 114,000 | 240,000 | 371,000 | 511,000 |
| Net interest income | 370,000 | 746,000 | 1,119,000 | 1,499,000 |
| Noninterest income | 98,000 | 214,000 | 383,000 | 504,000 |
| Noninterest expense | 439,000 | 887,000 | 1,439,000 | 1,927,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | -6,000 | 8,000 | -12,000 | 1,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,000 | 8,000 | -12,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,717,000 | 2,717,000 | 2,682,000 | 2,679,000 |
| Total capital | 3,001,000 | 3,012,000 | 2,962,000 | 2,965,000 |
| Risk-weighted assets | 22,434,000 | 23,395,000 | 22,200,000 | 22,679,000 |