Call reports 2007
PROSPERAN BANK — 2007
What PROSPERAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 190,744,000 | 195,397,000 | 209,558,000 | 228,830,000 |
| Total loans | 152,330,000 | 158,772,000 | 168,560,000 | 162,014,000 |
| Allowance for loan losses | 1,691,000 | 1,757,000 | 1,913,000 | 2,593,000 |
| Securities available for sale | 23,647,000 | 21,323,000 | 27,612,000 | 22,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,329,000 | 174,849,000 | 169,548,000 | 200,768,000 |
| Interest-bearing deposits | 146,892,000 | 149,372,000 | 145,926,000 | 175,687,000 |
| Noninterest-bearing deposits | 22,437,000 | 25,477,000 | 23,622,000 | 25,081,000 |
| Equity capital | 16,622,000 | 16,397,000 | 16,681,000 | 15,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,507,000 | 7,186,000 | 10,940,000 | 15,002,000 |
| Interest expense | 1,605,000 | 3,275,000 | 5,063,000 | 7,165,000 |
| Net interest income | 1,902,000 | 3,911,000 | 5,877,000 | 7,837,000 |
| Noninterest income | 152,000 | 437,000 | 546,000 | 494,000 |
| Noninterest expense | 1,527,000 | 3,110,000 | 4,655,000 | 6,838,000 |
| Provision for loan losses | 136,000 | 401,000 | 563,000 | 1,645,000 |
| Pretax income | 391,000 | 837,000 | 1,205,000 | -158,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 386,000 | 832,000 | 1,200,000 | -163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,608,000 | 16,729,000 | 16,782,000 | 15,553,000 |
| Total capital | 18,299,000 | 18,486,000 | 18,695,000 | 17,747,000 |
| Risk-weighted assets | 158,213,000 | 167,204,000 | 177,329,000 | 174,989,000 |