Call reports 2025
PROSPECT BANK — 2025
What PROSPECT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 720,811,000 | 689,096,000 | 705,485,000 | 675,953,000 |
| Total loans | 489,751,000 | 473,449,000 | 445,547,000 | 448,596,000 |
| Allowance for loan losses | 3,807,000 | 3,772,000 | 3,700,000 | 3,451,000 |
| Securities available for sale | 163,191,000 | 162,983,000 | 173,851,000 | 179,063,000 |
| Securities held to maturity | 4,406,000 | 4,406,000 | 4,406,000 | 3,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,827,000 | 589,407,000 | 603,148,000 | 568,655,000 |
| Interest-bearing deposits | 519,010,000 | 511,829,000 | 530,816,000 | 491,358,000 |
| Noninterest-bearing deposits | 91,817,000 | 77,578,000 | 72,332,000 | 77,297,000 |
| Equity capital | 36,237,000 | 38,240,000 | 40,333,000 | 42,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,134,000 | 16,246,000 | 24,432,000 | 32,478,000 |
| Interest expense | 4,221,000 | 8,219,000 | 12,290,000 | 16,155,000 |
| Net interest income | 3,913,000 | 8,027,000 | 12,142,000 | 16,323,000 |
| Noninterest income | 961,000 | 1,880,000 | 2,590,000 | 3,573,000 |
| Noninterest expense | 4,952,000 | 9,729,000 | 14,825,000 | 19,803,000 |
| Provision for loan losses | -819,000 | -857,000 | -835,000 | -1,071,000 |
| Pretax income | 721,000 | 1,007,000 | 803,000 | 1,225,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 721,000 | 1,007,000 | 803,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,417,000 | 60,704,000 | 60,499,000 | 60,919,000 |
| Total capital | 64,463,000 | 64,722,000 | 64,357,000 | 64,528,000 |
| Risk-weighted assets | 524,416,000 | 497,459,000 | 474,859,000 | 475,190,000 |