Call reports 2014
PROSPECT BANK — 2014
What PROSPECT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 386,842,000 | 398,944,000 | 398,181,000 | 391,254,000 |
| Total loans | 229,937,000 | 236,483,000 | 234,535,000 | 227,012,000 |
| Allowance for loan losses | 2,585,000 | 2,336,000 | 2,234,000 | 2,430,000 |
| Securities available for sale | 117,818,000 | 135,934,000 | 134,651,000 | 133,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,529,000 | 324,223,000 | 329,450,000 | 319,547,000 |
| Interest-bearing deposits | 292,264,000 | 292,776,000 | 297,223,000 | 282,120,000 |
| Noninterest-bearing deposits | 37,265,000 | 31,447,000 | 32,227,000 | 37,427,000 |
| Equity capital | 34,222,000 | 36,095,000 | 35,317,000 | 37,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,406,000 | 7,073,000 | 10,789,000 | 14,419,000 |
| Interest expense | 302,000 | 602,000 | 885,000 | 1,160,000 |
| Net interest income | 3,104,000 | 6,471,000 | 9,904,000 | 13,259,000 |
| Noninterest income | 618,000 | 1,329,000 | 1,953,000 | 2,490,000 |
| Noninterest expense | 2,321,000 | 4,615,000 | 6,990,000 | 9,365,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,309,000 | 3,058,000 | 4,763,000 | 6,067,000 |
| Income tax | -9,000 | 13,000 | 31,000 | 42,000 |
| Net income | 1,318,000 | 3,045,000 | 4,732,000 | 6,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,600,000 | 31,911,000 | 31,837,000 | 32,373,000 |
| Total capital | 33,185,000 | 34,247,000 | 34,071,000 | 34,803,000 |
| Risk-weighted assets | 256,552,000 | 266,624,000 | 259,229,000 | 255,136,000 |