Call reports 2009
PROSPECT BANK — 2009
What PROSPECT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 240,129,000 | 247,302,000 | 250,773,000 | 289,463,000 |
| Total loans | 150,723,000 | 167,078,000 | 175,226,000 | 199,389,000 |
| Allowance for loan losses | 2,019,000 | 2,224,000 | 2,295,000 | 1,884,000 |
| Securities available for sale | 67,070,000 | 61,414,000 | 55,022,000 | 53,269,000 |
| Securities held to maturity | 30,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,700,000 | 193,203,000 | 199,987,000 | 247,199,000 |
| Interest-bearing deposits | 187,895,000 | 178,963,000 | 183,772,000 | 220,038,000 |
| Noninterest-bearing deposits | 12,805,000 | 14,240,000 | 16,215,000 | 27,161,000 |
| Equity capital | 21,987,000 | 21,849,000 | 21,765,000 | 26,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,922,000 | 6,002,000 | 9,170,000 | 12,422,000 |
| Interest expense | 1,113,000 | 2,101,000 | 3,008,000 | 3,855,000 |
| Net interest income | 1,809,000 | 3,901,000 | 6,162,000 | 8,567,000 |
| Noninterest income | 430,000 | 764,000 | 1,004,000 | 1,426,000 |
| Noninterest expense | 1,314,000 | 3,020,000 | 4,651,000 | 6,597,000 |
| Provision for loan losses | 30,000 | 270,000 | 330,000 | 845,000 |
| Pretax income | 895,000 | 1,440,000 | 2,301,000 | 2,833,000 |
| Income tax | 7,000 | 13,000 | 12,000 | 21,000 |
| Net income | 888,000 | 1,427,000 | 2,289,000 | 2,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,388,000 | 19,456,000 | 18,735,000 | 21,116,000 |
| Total capital | 21,407,000 | 21,680,000 | 21,030,000 | 23,000,000 |
| Risk-weighted assets | 172,607,000 | 189,432,000 | 196,148,000 | 223,179,000 |