Call reports 2012
PROFICIO BANK — 2012
What PROFICIO BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 193,011,000 | 196,835,000 | 304,162,000 | 209,365,000 |
| Total loans | 116,458,000 | 160,833,000 | 224,189,000 | 159,401,000 |
| Allowance for loan losses | 2,680,000 | 2,213,000 | 2,234,000 | 2,381,000 |
| Securities available for sale | 17,785,000 | 20,179,000 | 17,924,000 | 19,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,674,000 | 174,749,000 | 270,656,000 | 172,414,000 |
| Interest-bearing deposits | 174,279,000 | 171,287,000 | 264,771,000 | 168,321,000 |
| Noninterest-bearing deposits | 1,395,000 | 3,462,000 | 5,885,000 | 4,093,000 |
| Equity capital | 12,774,000 | 14,294,000 | 20,372,000 | 24,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 3,041,000 | 5,262,000 | 7,606,000 |
| Interest expense | 274,000 | 555,000 | 899,000 | 1,362,000 |
| Net interest income | 1,161,000 | 2,486,000 | 4,363,000 | 6,244,000 |
| Noninterest income | 8,959,000 | 23,840,000 | 44,903,000 | 77,481,000 |
| Noninterest expense | 9,123,000 | 23,581,000 | 44,375,000 | 76,628,000 |
| Provision for loan losses | 255,000 | 487,000 | 651,000 | 817,000 |
| Pretax income | 742,000 | 2,258,000 | 4,240,000 | 6,280,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 742,000 | 2,258,000 | 4,240,000 | 6,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,483,000 | 13,998,000 | 19,982,000 | 24,524,000 |
| Total capital | 13,942,000 | 15,758,000 | 22,216,000 | 26,224,000 |
| Risk-weighted assets | 115,474,000 | 140,397,000 | 181,572,000 | 135,351,000 |