Call reports 2014
PROFICIO BANK — 2014
What PROFICIO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 176,703,000 | 198,867,000 | 179,468,000 | 161,483,000 |
| Total loans | 119,935,000 | 142,968,000 | 125,369,000 | 113,735,000 |
| Allowance for loan losses | 1,399,000 | 1,379,000 | 919,000 | 865,000 |
| Securities available for sale | 19,338,000 | 17,557,000 | 20,068,000 | 17,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,177,000 | 159,709,000 | 136,047,000 | 135,720,000 |
| Interest-bearing deposits | 135,021,000 | 155,717,000 | 133,874,000 | 132,934,000 |
| Noninterest-bearing deposits | 2,155,000 | 3,993,000 | 2,173,000 | 2,786,000 |
| Equity capital | 23,584,000 | 23,091,000 | 20,340,000 | 12,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 3,013,000 | 4,886,000 | 6,537,000 |
| Interest expense | 223,000 | 510,000 | 831,000 | 1,113,000 |
| Net interest income | 1,169,000 | 2,503,000 | 4,055,000 | 5,424,000 |
| Noninterest income | 11,299,000 | 24,380,000 | 34,434,000 | 41,883,000 |
| Noninterest expense | 14,428,000 | 29,741,000 | 44,246,000 | 61,043,000 |
| Provision for loan losses | 1,000 | -66,000 | -189,000 | -154,000 |
| Pretax income | -1,961,000 | -2,792,000 | -5,568,000 | -13,582,000 |
| Income tax | 93,000 | 30,000 | 48,000 | 54,000 |
| Net income | -2,054,000 | -2,822,000 | -5,616,000 | -13,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,707,000 | 23,043,000 | 20,353,000 | 12,437,000 |
| Total capital | 25,106,000 | 24,444,000 | 21,316,000 | 13,339,000 |
| Risk-weighted assets | 129,663,000 | 137,799,000 | 140,460,000 | 130,775,000 |