Call reports 2016
PROSPECT BANK — 2016
What PROSPECT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 414,185,000 | 419,770,000 | 429,770,000 | 441,538,000 |
| Total loans | 254,367,000 | 258,485,000 | 259,485,000 | 253,326,000 |
| Allowance for loan losses | 2,519,000 | 2,510,000 | 2,496,000 | 2,398,000 |
| Securities available for sale | 132,224,000 | 134,042,000 | 140,804,000 | 160,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,904,000 | 342,888,000 | 347,709,000 | 347,221,000 |
| Interest-bearing deposits | 296,380,000 | 303,554,000 | 307,159,000 | 303,698,000 |
| Noninterest-bearing deposits | 41,524,000 | 39,334,000 | 40,550,000 | 43,523,000 |
| Equity capital | 44,515,000 | 45,558,000 | 45,839,000 | 40,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,776,000 | 7,545,000 | 11,412,000 | 15,303,000 |
| Interest expense | 274,000 | 556,000 | 855,000 | 1,174,000 |
| Net interest income | 3,502,000 | 6,989,000 | 10,557,000 | 14,129,000 |
| Noninterest income | 753,000 | 1,370,000 | 1,896,000 | 2,133,000 |
| Noninterest expense | 2,758,000 | 5,492,000 | 8,345,000 | 11,313,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 1,688,000 | 3,313,000 | 4,674,000 | 5,529,000 |
| Income tax | -15,000 | 7,000 | 19,000 | 20,000 |
| Net income | 1,703,000 | 3,306,000 | 4,655,000 | 5,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,647,000 | 39,170,000 | 40,099,000 | 40,498,000 |
| Total capital | 41,166,000 | 41,680,000 | 42,595,000 | 42,896,000 |
| Risk-weighted assets | 291,492,000 | 292,643,000 | 295,696,000 | 299,837,000 |