Call reports 2008
PROAMERICA BANK — 2008
What PROAMERICA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,753,000 | 71,915,000 | 71,693,000 | 73,488,000 |
| Total loans | 40,880,000 | 51,336,000 | 54,998,000 | 55,804,000 |
| Allowance for loan losses | 523,000 | 603,000 | 762,000 | 943,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,062,000 | 48,718,000 | 49,040,000 | 51,528,000 |
| Interest-bearing deposits | 40,219,000 | 41,496,000 | 40,248,000 | 42,995,000 |
| Noninterest-bearing deposits | 5,843,000 | 7,223,000 | 8,792,000 | 8,533,000 |
| Equity capital | 23,196,000 | 22,645,000 | 21,862,000 | 21,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,976,000 | 3,029,000 | 4,039,000 |
| Interest expense | 317,000 | 575,000 | 814,000 | 1,025,000 |
| Net interest income | 626,000 | 1,401,000 | 2,215,000 | 3,014,000 |
| Noninterest income | 21,000 | 45,000 | 69,000 | 99,000 |
| Noninterest expense | 1,261,000 | 2,590,000 | 4,096,000 | 5,331,000 |
| Provision for loan losses | 46,000 | 176,000 | 402,000 | 637,000 |
| Pretax income | -660,000 | -1,320,000 | -2,214,000 | -2,855,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | -661,000 | -1,322,000 | -2,216,000 | -2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,196,000 | 22,645,000 | 21,862,000 | 21,201,000 |
| Total capital | 23,751,000 | 23,270,000 | 22,586,000 | 21,935,000 |
| Risk-weighted assets | 48,159,000 | 56,261,000 | 57,861,000 | 58,521,000 |
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