Call reports 2004
PROSPECT BANK — 2004
What PROSPECT 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 | 167,301,000 | 162,653,000 | 162,680,000 | 158,753,000 |
| Total loans | 111,781,000 | 110,031,000 | 105,112,000 | 104,563,000 |
| Allowance for loan losses | 2,097,000 | 2,176,000 | 1,944,000 | 1,749,000 |
| Securities available for sale | 27,164,000 | 37,015,000 | 40,657,000 | 36,911,000 |
| Securities held to maturity | 843,000 | 843,000 | 843,000 | 723,000 |
| Trading assets | 178,000 | 0 | 0 | 0 |
| Total deposits | 146,299,000 | 137,547,000 | 139,907,000 | 132,387,000 |
| Interest-bearing deposits | 137,561,000 | 128,309,000 | 127,756,000 | 119,211,000 |
| Noninterest-bearing deposits | 8,738,000 | 9,238,000 | 12,151,000 | 13,176,000 |
| Equity capital | 15,265,000 | 14,920,000 | 15,465,000 | 15,307,000 |
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 | 2,067,000 | 4,233,000 | 6,438,000 | 8,458,000 |
| Interest expense | 659,000 | 1,306,000 | 1,920,000 | 2,515,000 |
| Net interest income | 1,408,000 | 2,927,000 | 4,518,000 | 5,943,000 |
| Noninterest income | 702,000 | 1,415,000 | 1,863,000 | 2,212,000 |
| Noninterest expense | 1,124,000 | 2,351,000 | 3,587,000 | 4,791,000 |
| Provision for loan losses | 60,000 | 120,000 | 1,180,000 | 1,665,000 |
| Pretax income | 828,000 | 1,773,000 | 1,516,000 | 1,608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 828,000 | 1,773,000 | 1,516,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,036,000 | 14,989,000 | 14,748,000 | 14,854,000 |
| Total capital | 15,620,000 | 16,538,000 | 16,263,000 | 16,351,000 |
| Risk-weighted assets | 126,174,000 | 123,323,000 | 120,773,000 | 119,542,000 |