Call reports 2009
PROFICIO BANK — 2009
What PROFICIO BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 191,959,000 | 196,914,000 | 266,910,000 | 276,676,000 |
| Total loans | 164,746,000 | 168,843,000 | 191,968,000 | 173,284,000 |
| Allowance for loan losses | 2,764,000 | 2,815,000 | 2,939,000 | 3,458,000 |
| Securities available for sale | 4,100,000 | 4,080,000 | 67,028,000 | 79,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,587,000 | 153,175,000 | 235,027,000 | 247,402,000 |
| Interest-bearing deposits | 101,897,000 | 150,283,000 | 231,979,000 | 246,535,000 |
| Noninterest-bearing deposits | 3,690,000 | 2,892,000 | 3,048,000 | 867,000 |
| Equity capital | 27,150,000 | 27,601,000 | 26,924,000 | 26,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,399,000 | 5,092,000 | 8,456,000 | 9,778,000 |
| Interest expense | 314,000 | 604,000 | 1,062,000 | 1,658,000 |
| Net interest income | 2,085,000 | 4,488,000 | 7,394,000 | 8,120,000 |
| Noninterest income | 557,000 | 1,486,000 | 3,051,000 | 8,241,000 |
| Noninterest expense | 2,867,000 | 6,476,000 | 10,975,000 | 17,108,000 |
| Provision for loan losses | 247,000 | 433,000 | 884,000 | 1,419,000 |
| Pretax income | -472,000 | -935,000 | -1,414,000 | -2,166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -594,000 | -1,167,000 | -1,799,000 | -2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,979,000 | 27,585,000 | 27,055,000 | 26,316,000 |
| Total capital | 29,111,000 | 29,758,000 | 29,658,000 | 28,840,000 |
| Risk-weighted assets | 169,974,000 | 173,212,000 | 207,892,000 | 204,574,000 |
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