Call reports 2006
PROSPECT BANK — 2006
What PROSPECT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 169,917,000 | 168,882,000 | 173,060,000 | 188,592,000 |
| Total loans | 110,918,000 | 110,782,000 | 111,678,000 | 125,266,000 |
| Allowance for loan losses | 2,051,000 | 2,061,000 | 1,972,000 | 1,491,000 |
| Securities available for sale | 45,034,000 | 44,512,000 | 47,673,000 | 47,760,000 |
| Securities held to maturity | 721,000 | 721,000 | 721,000 | 721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,252,000 | 136,541,000 | 150,170,000 | 160,090,000 |
| Interest-bearing deposits | 127,233,000 | 126,779,000 | 139,840,000 | 148,159,000 |
| Noninterest-bearing deposits | 11,019,000 | 9,762,000 | 10,330,000 | 11,931,000 |
| Equity capital | 15,497,000 | 14,843,000 | 16,088,000 | 16,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,477,000 | 5,067,000 | 7,803,000 | 10,720,000 |
| Interest expense | 1,044,000 | 2,266,000 | 3,685,000 | 5,259,000 |
| Net interest income | 1,433,000 | 2,801,000 | 4,118,000 | 5,461,000 |
| Noninterest income | 456,000 | 788,000 | 1,019,000 | 1,272,000 |
| Noninterest expense | 1,017,000 | 2,110,000 | 3,146,000 | 4,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 860,000 | 1,467,000 | 1,979,000 | 2,323,000 |
| Income tax | 0 | 0 | 53,000 | 63,000 |
| Net income | 860,000 | 1,467,000 | 1,926,000 | 2,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,469,000 | 16,317,000 | 16,435,000 | 16,658,000 |
| Total capital | 18,048,000 | 17,913,000 | 18,045,000 | 18,226,000 |
| Risk-weighted assets | 125,758,000 | 127,127,000 | 128,394,000 | 142,157,000 |