Call reports 2013
PROFICIO BANK — 2013
What PROFICIO BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 206,271,000 | 220,985,000 | 187,169,000 | 168,648,000 |
| Total loans | 144,932,000 | 161,156,000 | 137,295,000 | 106,897,000 |
| Allowance for loan losses | 2,309,000 | 1,889,000 | 1,586,000 | 1,506,000 |
| Securities available for sale | 23,028,000 | 21,825,000 | 20,239,000 | 19,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,347,000 | 164,271,000 | 143,240,000 | 133,374,000 |
| Interest-bearing deposits | 168,421,000 | 159,574,000 | 141,219,000 | 129,793,000 |
| Noninterest-bearing deposits | 2,926,000 | 4,697,000 | 2,022,000 | 3,580,000 |
| Equity capital | 26,090,000 | 27,218,000 | 26,873,000 | 25,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,511,000 | 5,288,000 | 6,903,000 |
| Interest expense | 274,000 | 526,000 | 769,000 | 1,006,000 |
| Net interest income | 1,473,000 | 2,985,000 | 4,519,000 | 5,897,000 |
| Noninterest income | 26,588,000 | 56,941,000 | 74,405,000 | 90,726,000 |
| Noninterest expense | 26,763,000 | 57,147,000 | 76,625,000 | 95,582,000 |
| Provision for loan losses | 16,000 | 49,000 | -257,000 | -96,000 |
| Pretax income | 1,282,000 | 2,730,000 | 2,556,000 | 1,137,000 |
| Income tax | 0 | 0 | 0 | 253,000 |
| Net income | 1,282,000 | 2,730,000 | 2,556,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,806,000 | 27,254,000 | 27,080,000 | 25,409,000 |
| Total capital | 27,438,000 | 29,117,000 | 28,666,000 | 26,915,000 |
| Risk-weighted assets | 130,634,000 | 149,739,000 | 135,554,000 | 124,802,000 |