Call reports 2009
PROAMERICA BANK — 2009
What PROAMERICA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 79,626,000 | 73,740,000 | 88,510,000 | 95,354,000 |
| Total loans | 58,514,000 | 66,493,000 | 72,461,000 | 75,314,000 |
| Allowance for loan losses | 1,171,000 | 1,221,000 | 1,519,000 | 2,030,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,465,000 | 53,466,000 | 67,962,000 | 76,175,000 |
| Interest-bearing deposits | 44,136,000 | 42,320,000 | 52,222,000 | 59,042,000 |
| Noninterest-bearing deposits | 14,329,000 | 11,146,000 | 15,739,000 | 17,133,000 |
| Equity capital | 20,429,000 | 19,642,000 | 20,005,000 | 18,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,915,000 | 3,040,000 | 4,266,000 |
| Interest expense | 174,000 | 310,000 | 440,000 | 578,000 |
| Net interest income | 726,000 | 1,605,000 | 2,600,000 | 3,688,000 |
| Noninterest income | 33,000 | 67,000 | 1,198,000 | 1,228,000 |
| Noninterest expense | 1,382,000 | 2,747,000 | 4,003,000 | 5,299,000 |
| Provision for loan losses | 229,000 | 636,000 | 1,190,000 | 2,371,000 |
| Pretax income | -852,000 | -1,711,000 | -1,395,000 | -2,754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -852,000 | -1,711,000 | -1,395,000 | -2,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,429,000 | 19,642,000 | 20,005,000 | 18,714,000 |
| Total capital | 21,189,000 | 20,473,000 | 20,926,000 | 19,665,000 |
| Risk-weighted assets | 60,365,000 | 66,119,000 | 73,075,000 | 75,015,000 |
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