Call reports 2003
PROSPECT BANK — 2003
What PROSPECT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 163,054,000 | 166,712,000 | 176,566,000 | 186,860,000 |
| Total loans | 135,279,000 | 150,396,000 | 168,095,000 | 176,884,000 |
| Allowance for loan losses | 1,527,000 | 1,677,000 | 1,855,000 | 1,949,000 |
| Securities available for sale | 5,533,000 | 1,535,000 | 1,522,000 | 1,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,763,000 | 151,976,000 | 148,892,000 | 155,979,000 |
| Interest-bearing deposits | 129,975,000 | 131,757,000 | 138,300,000 | 144,550,000 |
| Noninterest-bearing deposits | 18,788,000 | 20,219,000 | 10,592,000 | 11,429,000 |
| Equity capital | 11,787,000 | 12,200,000 | 13,659,000 | 14,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,501,000 | 6,919,000 | 9,427,000 |
| Interest expense | 825,000 | 1,676,000 | 2,492,000 | 3,365,000 |
| Net interest income | 1,355,000 | 2,825,000 | 4,427,000 | 6,062,000 |
| Noninterest income | 130,000 | 292,000 | 535,000 | 657,000 |
| Noninterest expense | 857,000 | 1,706,000 | 2,630,000 | 3,566,000 |
| Provision for loan losses | 116,000 | 268,000 | 481,000 | 576,000 |
| Pretax income | 512,000 | 1,143,000 | 1,851,000 | 2,577,000 |
| Income tax | 174,000 | 389,000 | 629,000 | 876,000 |
| Net income | 338,000 | 754,000 | 1,222,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,762,000 | 12,178,000 | 13,645,000 | 14,124,000 |
| Total capital | 13,289,000 | 13,846,000 | 15,456,000 | 16,003,000 |
| Risk-weighted assets | 125,049,000 | 133,441,000 | 144,800,000 | 150,232,000 |