Call reports 2016
PRISM BANK — 2016
What PRISM BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 105,962,000 | 116,956,000 | 123,906,000 | 137,181,000 |
| Total loans | 88,158,000 | 100,308,000 | 107,840,000 | 116,202,000 |
| Allowance for loan losses | 534,000 | 560,000 | 677,000 | 766,000 |
| Securities available for sale | 989,000 | 2,058,000 | 2,037,000 | 1,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,994,000 | 103,444,000 | 109,449,000 | 121,468,000 |
| Interest-bearing deposits | 74,969,000 | 86,721,000 | 91,896,000 | 100,419,000 |
| Noninterest-bearing deposits | 18,025,000 | 16,723,000 | 17,553,000 | 21,049,000 |
| Equity capital | 11,618,000 | 12,104,000 | 12,906,000 | 14,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,175,000 | 3,391,000 | 4,736,000 |
| Interest expense | 126,000 | 276,000 | 446,000 | 643,000 |
| Net interest income | 908,000 | 1,899,000 | 2,945,000 | 4,093,000 |
| Noninterest income | 547,000 | 882,000 | 1,482,000 | 2,064,000 |
| Noninterest expense | 1,318,000 | 2,599,000 | 3,919,000 | 5,257,000 |
| Provision for loan losses | 50,000 | 70,000 | 175,000 | 325,000 |
| Pretax income | 87,000 | 112,000 | 333,000 | 575,000 |
| Income tax | -7,000 | 11,000 | -88,000 | 1,000 |
| Net income | 94,000 | 101,000 | 421,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,060,000 | 9,553,000 | 10,363,000 | 11,563,000 |
| Total capital | 9,594,000 | 10,113,000 | 11,040,000 | 12,329,000 |
| Risk-weighted assets | 82,939,000 | 91,535,000 | 105,724,000 | 116,920,000 |