Call reports 2008
PROSPERAN BANK — 2008
What PROSPERAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 212,162,000 | 221,979,000 | 217,902,000 | 214,483,000 |
| Total loans | 165,611,000 | 173,903,000 | 173,841,000 | 171,014,000 |
| Allowance for loan losses | 2,616,000 | 2,946,000 | 2,787,000 | 7,890,000 |
| Securities available for sale | 36,314,000 | 37,328,000 | 34,891,000 | 36,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,254,000 | 172,827,000 | 170,162,000 | 178,151,000 |
| Interest-bearing deposits | 167,493,000 | 154,876,000 | 151,943,000 | 162,195,000 |
| Noninterest-bearing deposits | 21,761,000 | 17,951,000 | 18,219,000 | 15,956,000 |
| Equity capital | 14,424,000 | 13,775,000 | 12,819,000 | 10,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,497,000 | 7,093,000 | 10,502,000 | 13,695,000 |
| Interest expense | 1,976,000 | 3,402,000 | 4,793,000 | 6,053,000 |
| Net interest income | 1,521,000 | 3,691,000 | 5,709,000 | 7,642,000 |
| Noninterest income | 102,000 | 241,000 | 288,000 | 433,000 |
| Noninterest expense | 1,351,000 | 3,086,000 | 4,808,000 | 6,674,000 |
| Provision for loan losses | 250,000 | 650,000 | 825,000 | 6,162,000 |
| Pretax income | 22,000 | 196,000 | 364,000 | -4,909,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 17,000 | 191,000 | 359,000 | -4,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,584,000 | 16,557,000 | 16,630,000 | 11,365,000 |
| Total capital | 17,761,000 | 18,876,000 | 18,940,000 | 13,610,000 |
| Risk-weighted assets | 173,195,000 | 184,864,000 | 184,315,000 | 173,925,000 |