Call reports 2003
PROSPECT BANK — 2003
What PROSPECT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 158,966,000 | 156,764,000 | 159,865,000 | 159,254,000 |
| Total loans | 99,778,000 | 101,894,000 | 102,794,000 | 106,142,000 |
| Allowance for loan losses | 1,992,000 | 1,958,000 | 1,228,000 | 2,033,000 |
| Securities available for sale | 37,808,000 | 33,765,000 | 37,542,000 | 35,551,000 |
| Securities held to maturity | 960,000 | 959,000 | 959,000 | 844,000 |
| Trading assets | 1,172,000 | 1,174,000 | 1,165,000 | 187,000 |
| Total deposits | 138,308,000 | 136,565,000 | 139,065,000 | 136,137,000 |
| Interest-bearing deposits | 130,241,000 | 129,012,000 | 130,848,000 | 127,797,000 |
| Noninterest-bearing deposits | 8,067,000 | 7,553,000 | 8,217,000 | 8,340,000 |
| Equity capital | 15,786,000 | 16,163,000 | 14,261,000 | 13,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,064,000 | 4,172,000 | 6,294,000 | 8,369,000 |
| Interest expense | 925,000 | 1,806,000 | 2,545,000 | 3,245,000 |
| Net interest income | 1,139,000 | 2,366,000 | 3,749,000 | 5,124,000 |
| Noninterest income | 747,000 | 1,460,000 | 1,960,000 | 2,615,000 |
| Noninterest expense | 1,178,000 | 2,371,000 | 3,495,000 | 4,641,000 |
| Provision for loan losses | 60,000 | 221,000 | 1,656,000 | 2,606,000 |
| Pretax income | 738,000 | 1,485,000 | 817,000 | 691,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 738,000 | 1,485,000 | 817,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,337,000 | 14,721,000 | 13,439,000 | 13,260,000 |
| Total capital | 15,861,000 | 16,245,000 | 14,667,000 | 14,798,000 |
| Risk-weighted assets | 121,470,000 | 121,486,000 | 120,662,000 | 122,539,000 |