Call reports 2004
PROSPERAN BANK — 2004
What PROSPERAN 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 | 134,129,000 | 140,436,000 | 142,537,000 | 147,787,000 |
| Total loans | 110,812,000 | 114,752,000 | 121,018,000 | 123,039,000 |
| Allowance for loan losses | 708,000 | 668,000 | 691,000 | 927,000 |
| Securities available for sale | 9,457,000 | 9,846,000 | 8,566,000 | 8,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,446,000 | 123,805,000 | 124,269,000 | 131,753,000 |
| Interest-bearing deposits | 101,035,000 | 100,829,000 | 104,408,000 | 111,904,000 |
| Noninterest-bearing deposits | 16,411,000 | 22,976,000 | 19,861,000 | 19,849,000 |
| Equity capital | 11,762,000 | 11,970,000 | 12,136,000 | 12,045,000 |
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 | 1,804,000 | 3,759,000 | 5,782,000 | 7,892,000 |
| Interest expense | 517,000 | 1,041,000 | 1,618,000 | 2,278,000 |
| Net interest income | 1,287,000 | 2,718,000 | 4,164,000 | 5,614,000 |
| Noninterest income | 285,000 | 457,000 | 663,000 | 979,000 |
| Noninterest expense | 1,126,000 | 2,317,000 | 3,550,000 | 4,832,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 365,000 |
| Pretax income | 446,000 | 858,000 | 1,226,000 | 1,421,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 446,000 | 858,000 | 1,226,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,600,000 | 11,969,000 | 12,102,000 | 12,033,000 |
| Total capital | 12,308,000 | 12,637,000 | 12,793,000 | 12,960,000 |
| Risk-weighted assets | 117,580,000 | 122,650,000 | 123,426,000 | 125,848,000 |