Call reports 2015
PRISM BANK — 2015
What PRISM BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 95,107,000 | 105,752,000 | 93,116,000 | 97,801,000 |
| Total loans | 77,480,000 | 86,962,000 | 76,557,000 | 82,170,000 |
| Allowance for loan losses | 576,000 | 576,000 | 619,000 | 481,000 |
| Securities available for sale | 1,874,000 | 1,364,000 | 1,122,000 | 1,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,060,000 | 93,118,000 | 80,255,000 | 85,047,000 |
| Interest-bearing deposits | 61,852,000 | 74,391,000 | 64,035,000 | 66,564,000 |
| Noninterest-bearing deposits | 19,208,000 | 18,727,000 | 16,220,000 | 18,483,000 |
| Equity capital | 11,440,000 | 11,500,000 | 11,599,000 | 11,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,037,000 | 2,099,000 | 3,136,000 | 4,101,000 |
| Interest expense | 108,000 | 217,000 | 331,000 | 436,000 |
| Net interest income | 929,000 | 1,882,000 | 2,805,000 | 3,665,000 |
| Noninterest income | 124,000 | 267,000 | 631,000 | 1,120,000 |
| Noninterest expense | 981,000 | 2,017,000 | 3,098,000 | 4,367,000 |
| Provision for loan losses | 17,000 | 29,000 | 77,000 | 261,000 |
| Pretax income | 55,000 | 105,000 | 238,000 | 134,000 |
| Income tax | 23,000 | 10,000 | 42,000 | -44,000 |
| Net income | 32,000 | 95,000 | 196,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,936,000 | 9,001,000 | 9,112,000 | 9,062,000 |
| Total capital | 9,512,000 | 9,577,000 | 9,731,000 | 9,543,000 |
| Risk-weighted assets | 71,757,000 | 73,603,000 | 72,510,000 | 77,699,000 |