Call reports 2015
PROFILE BANK — 2015
What PROFILE 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 | 181,359,000 | 184,128,000 | 189,628,000 | 194,756,000 |
| Total loans | 118,053,000 | 119,279,000 | 119,141,000 | 120,151,000 |
| Allowance for loan losses | 777,000 | 758,000 | 758,000 | 758,000 |
| Securities available for sale | 2,092,000 | 2,059,000 | 3,047,000 | 8,687,000 |
| Securities held to maturity | 19,432,000 | 18,654,000 | 16,927,000 | 17,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,948,000 | 159,471,000 | 164,853,000 | 169,810,000 |
| Interest-bearing deposits | 135,520,000 | 133,488,000 | 141,955,000 | 143,216,000 |
| Noninterest-bearing deposits | 21,428,000 | 25,983,000 | 22,898,000 | 26,594,000 |
| Equity capital | 23,032,000 | 23,122,000 | 23,254,000 | 23,414,000 |
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 | 1,505,000 | 3,028,000 | 4,540,000 | 6,065,000 |
| Interest expense | 132,000 | 257,000 | 388,000 | 518,000 |
| Net interest income | 1,373,000 | 2,771,000 | 4,152,000 | 5,547,000 |
| Noninterest income | 154,000 | 325,000 | 509,000 | 704,000 |
| Noninterest expense | 1,440,000 | 2,898,000 | 4,310,000 | 5,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 87,000 | 198,000 | 363,000 | 513,000 |
| Income tax | 3,000 | 18,000 | 49,000 | 17,000 |
| Net income | 84,000 | 180,000 | 314,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,461,000 | 23,557,000 | 23,692,000 | 23,874,000 |
| Total capital | 24,238,000 | 24,315,000 | 24,450,000 | 24,632,000 |
| Risk-weighted assets | 103,800,000 | 107,567,000 | 106,889,000 | 111,003,000 |