Call reports 2015
PROFICIO BANK — 2015
What PROFICIO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,767,000 | 129,312,000 | 113,116,000 | 109,492,000 |
| Total loans | 84,642,000 | 89,747,000 | 64,407,000 | 74,939,000 |
| Allowance for loan losses | 871,000 | 577,000 | 570,000 | 503,000 |
| Securities available for sale | 16,672,000 | 17,642,000 | 17,162,000 | 16,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,973,000 | 114,710,000 | 100,992,000 | 96,846,000 |
| Interest-bearing deposits | 105,412,000 | 111,074,000 | 98,236,000 | 94,843,000 |
| Noninterest-bearing deposits | 2,561,000 | 3,636,000 | 2,756,000 | 2,004,000 |
| Equity capital | 9,802,000 | 8,757,000 | 8,151,000 | 4,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,805,000 | 4,074,000 | 5,106,000 |
| Interest expense | 270,000 | 514,000 | 758,000 | 986,000 |
| Net interest income | 1,150,000 | 2,291,000 | 3,316,000 | 4,120,000 |
| Noninterest income | 4,979,000 | 9,985,000 | 13,476,000 | 13,394,000 |
| Noninterest expense | 9,120,000 | 16,731,000 | 22,110,000 | 26,431,000 |
| Provision for loan losses | -136,000 | -432,000 | -498,000 | -572,000 |
| Pretax income | -2,838,000 | -4,006,000 | -4,803,000 | -8,328,000 |
| Income tax | 9,000 | 40,000 | 33,000 | 33,000 |
| Net income | -2,847,000 | -4,046,000 | -4,836,000 | -8,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,644,000 | 8,805,000 | 8,068,000 | 4,596,000 |
| Total capital | 10,552,000 | 9,414,000 | 8,668,000 | 5,125,000 |
| Risk-weighted assets | 94,858,000 | 94,269,000 | 69,432,000 | 74,948,000 |