Call reports 2012
PROSPECT BANK — 2012
What PROSPECT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 321,579,000 | 339,127,000 | 350,736,000 | 352,633,000 |
| Total loans | 214,284,000 | 218,119,000 | 224,128,000 | 228,729,000 |
| Allowance for loan losses | 2,248,000 | 2,183,000 | 2,222,000 | 2,334,000 |
| Securities available for sale | 79,504,000 | 91,899,000 | 100,813,000 | 93,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,568,000 | 283,446,000 | 284,972,000 | 279,823,000 |
| Interest-bearing deposits | 231,299,000 | 254,370,000 | 256,775,000 | 244,458,000 |
| Noninterest-bearing deposits | 29,269,000 | 29,076,000 | 28,197,000 | 35,365,000 |
| Equity capital | 32,337,000 | 33,120,000 | 34,372,000 | 34,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,374,000 | 6,929,000 | 10,548,000 | 14,121,000 |
| Interest expense | 341,000 | 695,000 | 1,051,000 | 1,400,000 |
| Net interest income | 3,033,000 | 6,234,000 | 9,497,000 | 12,721,000 |
| Noninterest income | 688,000 | 1,242,000 | 1,761,000 | 2,279,000 |
| Noninterest expense | 2,099,000 | 4,311,000 | 6,474,000 | 8,985,000 |
| Provision for loan losses | 300,000 | 450,000 | 725,000 | 1,085,000 |
| Pretax income | 1,334,000 | 2,806,000 | 4,326,000 | 5,287,000 |
| Income tax | 17,000 | 36,000 | 56,000 | 63,000 |
| Net income | 1,317,000 | 2,770,000 | 4,270,000 | 5,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,175,000 | 26,460,000 | 27,488,000 | 27,526,000 |
| Total capital | 28,423,000 | 28,643,000 | 29,710,000 | 29,860,000 |
| Risk-weighted assets | 233,987,000 | 229,133,000 | 235,210,000 | 250,732,000 |