Call reports 2016
PROFILE BANK — 2016
What PROFILE 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 | 193,070,000 | 201,348,000 | 210,344,000 | 215,935,000 |
| Total loans | 118,221,000 | 120,397,000 | 122,336,000 | 124,571,000 |
| Allowance for loan losses | 758,000 | 758,000 | 758,000 | 748,000 |
| Securities available for sale | 11,431,000 | 13,132,000 | 18,593,000 | 27,689,000 |
| Securities held to maturity | 15,715,000 | 11,792,000 | 10,695,000 | 8,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,779,000 | 176,072,000 | 184,869,000 | 187,076,000 |
| Interest-bearing deposits | 145,806,000 | 146,315,000 | 157,935,000 | 159,775,000 |
| Noninterest-bearing deposits | 21,973,000 | 29,757,000 | 26,934,000 | 27,301,000 |
| Equity capital | 23,378,000 | 23,505,000 | 23,589,000 | 23,258,000 |
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 | 1,550,000 | 3,064,000 | 4,637,000 | 6,231,000 |
| Interest expense | 130,000 | 261,000 | 404,000 | 550,000 |
| Net interest income | 1,420,000 | 2,803,000 | 4,233,000 | 5,681,000 |
| Noninterest income | 185,000 | 364,000 | 539,000 | 710,000 |
| Noninterest expense | 1,449,000 | 2,912,000 | 4,376,000 | 5,842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 156,000 | 256,000 | 394,000 | 547,000 |
| Income tax | 24,000 | 28,000 | 39,000 | 27,000 |
| Net income | 132,000 | 228,000 | 355,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,006,000 | 24,103,000 | 24,230,000 | 24,395,000 |
| Total capital | 24,764,000 | 24,861,000 | 24,988,000 | 25,143,000 |
| Risk-weighted assets | 110,699,000 | 113,176,000 | 117,297,000 | 126,428,000 |