Call reports 2005
PROSPECT BANK — 2005
What PROSPECT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 155,302,000 | 155,958,000 | 155,050,000 | 159,772,000 |
| Total loans | 96,015,000 | 95,562,000 | 98,334,000 | 100,860,000 |
| Allowance for loan losses | 1,737,000 | 1,849,000 | 2,062,000 | 1,988,000 |
| Securities available for sale | 40,467,000 | 43,559,000 | 43,126,000 | 42,759,000 |
| Securities held to maturity | 722,000 | 722,000 | 722,000 | 722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,483,000 | 128,230,000 | 132,322,000 | 134,864,000 |
| Interest-bearing deposits | 118,235,000 | 116,454,000 | 119,429,000 | 121,155,000 |
| Noninterest-bearing deposits | 12,248,000 | 11,776,000 | 12,893,000 | 13,709,000 |
| Equity capital | 14,925,000 | 15,940,000 | 15,453,000 | 15,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,215,000 | 6,443,000 | 8,835,000 |
| Interest expense | 625,000 | 1,302,000 | 2,101,000 | 2,966,000 |
| Net interest income | 1,473,000 | 2,913,000 | 4,342,000 | 5,869,000 |
| Noninterest income | 479,000 | 894,000 | 1,298,000 | 1,635,000 |
| Noninterest expense | 1,106,000 | 2,205,000 | 3,332,000 | 4,476,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | 708,000 | 1,383,000 | 2,069,000 | 2,766,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 708,000 | 1,383,000 | 2,069,000 | 2,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,577,000 | 15,574,000 | 15,787,000 | 16,348,000 |
| Total capital | 16,998,000 | 16,986,000 | 17,182,000 | 17,797,000 |
| Risk-weighted assets | 113,371,000 | 112,506,000 | 110,935,000 | 115,277,000 |