Call reports 2008
PROFICIO BANK — 2008
What PROFICIO BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,749,000 | 178,103,000 | 169,652,000 | 179,215,000 |
| Total loans | 93,483,000 | 155,145,000 | 146,351,000 | 152,267,000 |
| Allowance for loan losses | 815,000 | 2,180,000 | 2,535,000 | 2,667,000 |
| Securities available for sale | 5,539,000 | 5,170,000 | 4,499,000 | 4,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,819,000 | 128,789,000 | 106,015,000 | 150,176,000 |
| Interest-bearing deposits | 48,816,000 | 125,957,000 | 105,120,000 | 146,414,000 |
| Noninterest-bearing deposits | 1,003,000 | 2,832,000 | 895,000 | 3,762,000 |
| Equity capital | 32,367,000 | 29,554,000 | 28,469,000 | 28,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 3,792,000 | 6,643,000 | 9,416,000 |
| Interest expense | 528,000 | 1,208,000 | 2,280,000 | 2,999,000 |
| Net interest income | 1,201,000 | 2,584,000 | 4,363,000 | 6,417,000 |
| Noninterest income | 114,000 | 301,000 | 597,000 | 831,000 |
| Noninterest expense | 2,311,000 | 4,895,000 | 8,013,000 | 9,988,000 |
| Provision for loan losses | 100,000 | 1,465,000 | 2,414,000 | 2,546,000 |
| Pretax income | -1,096,000 | -3,475,000 | -5,467,000 | -5,286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,096,000 | -3,475,000 | -5,467,000 | -5,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,808,000 | 29,032,000 | 28,065,000 | 27,719,000 |
| Total capital | 32,623,000 | 30,888,000 | 29,878,000 | 29,677,000 |
| Risk-weighted assets | 90,429,000 | 148,146,000 | 144,353,000 | 155,975,000 |
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