Call reports 2011
PROSPECT BANK — 2011
What PROSPECT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 293,811,000 | 302,926,000 | 304,147,000 | 312,554,000 |
| Total loans | 209,884,000 | 210,341,000 | 209,344,000 | 206,988,000 |
| Allowance for loan losses | 2,113,000 | 1,932,000 | 2,098,000 | 2,049,000 |
| Securities available for sale | 54,715,000 | 64,726,000 | 61,447,000 | 74,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,908,000 | 243,558,000 | 251,714,000 | 246,512,000 |
| Interest-bearing deposits | 211,886,000 | 218,982,000 | 220,918,000 | 212,810,000 |
| Noninterest-bearing deposits | 28,022,000 | 24,576,000 | 30,796,000 | 33,702,000 |
| Equity capital | 27,212,000 | 29,188,000 | 30,839,000 | 31,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 6,820,000 | 10,259,000 | 13,591,000 |
| Interest expense | 560,000 | 1,061,000 | 1,486,000 | 1,865,000 |
| Net interest income | 2,850,000 | 5,759,000 | 8,773,000 | 11,726,000 |
| Noninterest income | 538,000 | 1,041,000 | 1,536,000 | 2,040,000 |
| Noninterest expense | 1,978,000 | 4,181,000 | 6,404,000 | 8,716,000 |
| Provision for loan losses | 1,175,000 | 1,525,000 | 2,275,000 | 2,860,000 |
| Pretax income | 235,000 | 1,118,000 | 1,657,000 | 2,253,000 |
| Income tax | 2,000 | 13,000 | 17,000 | 25,000 |
| Net income | 233,000 | 1,105,000 | 1,640,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,731,000 | 24,661,000 | 24,724,000 | 25,370,000 |
| Total capital | 25,844,000 | 26,593,000 | 26,822,000 | 27,419,000 |
| Risk-weighted assets | 222,424,000 | 219,906,000 | 221,061,000 | 223,934,000 |