Call reports 2015
PROSPECT BANK — 2015
What PROSPECT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 396,216,000 | 393,131,000 | 412,321,000 | 419,284,000 |
| Total loans | 237,099,000 | 242,054,000 | 246,020,000 | 248,109,000 |
| Allowance for loan losses | 2,530,000 | 2,467,000 | 2,459,000 | 2,488,000 |
| Securities available for sale | 136,037,000 | 123,764,000 | 140,666,000 | 141,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,304,000 | 313,177,000 | 333,611,000 | 329,741,000 |
| Interest-bearing deposits | 272,116,000 | 275,619,000 | 293,573,000 | 286,145,000 |
| Noninterest-bearing deposits | 42,188,000 | 37,558,000 | 40,038,000 | 43,596,000 |
| Equity capital | 38,919,000 | 37,747,000 | 42,058,000 | 41,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,596,000 | 7,166,000 | 10,864,000 | 14,697,000 |
| Interest expense | 259,000 | 513,000 | 773,000 | 1,039,000 |
| Net interest income | 3,337,000 | 6,653,000 | 10,091,000 | 13,658,000 |
| Noninterest income | 842,000 | 1,364,000 | 2,224,000 | 2,620,000 |
| Noninterest expense | 2,405,000 | 4,917,000 | 7,601,000 | 10,451,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,777,000 | 3,137,000 | 4,759,000 | 5,908,000 |
| Income tax | 19,000 | 35,000 | 51,000 | 61,000 |
| Net income | 1,758,000 | 3,102,000 | 4,708,000 | 5,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,686,000 | 33,223,000 | 36,483,000 | 37,651,000 |
| Total capital | 36,216,000 | 35,690,000 | 38,942,000 | 40,139,000 |
| Risk-weighted assets | 279,604,000 | 278,901,000 | 279,905,000 | 285,479,000 |