Call reports 2014
PRISM BANK — 2014
What PRISM BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,306,000 | 93,632,000 | 95,394,000 | 94,199,000 |
| Total loans | 66,312,000 | 77,388,000 | 79,428,000 | 74,849,000 |
| Allowance for loan losses | 283,000 | 397,000 | 417,000 | 555,000 |
| Securities available for sale | 3,587,000 | 3,266,000 | 2,241,000 | 1,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,771,000 | 81,556,000 | 83,184,000 | 81,709,000 |
| Interest-bearing deposits | 55,441,000 | 63,989,000 | 62,649,000 | 61,713,000 |
| Noninterest-bearing deposits | 16,330,000 | 17,567,000 | 20,535,000 | 19,996,000 |
| Equity capital | 9,445,000 | 9,479,000 | 10,102,000 | 10,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,844,000 | 2,868,000 | 4,050,000 |
| Interest expense | 99,000 | 203,000 | 311,000 | 426,000 |
| Net interest income | 812,000 | 1,641,000 | 2,557,000 | 3,624,000 |
| Noninterest income | 114,000 | 276,000 | 414,000 | 542,000 |
| Noninterest expense | 788,000 | 1,634,000 | 2,491,000 | 3,426,000 |
| Provision for loan losses | 62,000 | 176,000 | 196,000 | 336,000 |
| Pretax income | 76,000 | 107,000 | 215,000 | 335,000 |
| Income tax | -81,000 | -68,000 | -23,000 | 28,000 |
| Net income | 157,000 | 175,000 | 238,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,745,000 | 6,777,000 | 7,353,000 | 7,666,000 |
| Total capital | 7,028,000 | 7,174,000 | 7,770,000 | 8,221,000 |
| Risk-weighted assets | 60,483,000 | 66,033,000 | 71,309,000 | 65,314,000 |