Call reports 2015
PROAMERICA BANK — 2015
What PROAMERICA 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 | 160,376,000 | 189,108,000 | 211,094,000 | 183,617,000 |
| Total loans | 126,107,000 | 136,972,000 | 133,673,000 | 137,754,000 |
| Allowance for loan losses | 2,147,000 | 2,148,000 | 2,187,000 | 2,215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,046,000 | 159,682,000 | 181,166,000 | 153,521,000 |
| Interest-bearing deposits | 102,228,000 | 128,832,000 | 133,366,000 | 117,339,000 |
| Noninterest-bearing deposits | 28,818,000 | 30,850,000 | 47,800,000 | 36,182,000 |
| Equity capital | 28,041,000 | 28,242,000 | 28,766,000 | 28,841,000 |
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 | 1,670,000 | 3,581,000 | 5,323,000 | 7,094,000 |
| Interest expense | 124,000 | 254,000 | 419,000 | 582,000 |
| Net interest income | 1,546,000 | 3,327,000 | 4,904,000 | 6,512,000 |
| Noninterest income | 48,000 | 133,000 | 489,000 | 564,000 |
| Noninterest expense | 1,728,000 | 3,244,000 | 4,615,000 | 6,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -134,000 | 216,000 | 778,000 | 922,000 |
| Income tax | -55,000 | 88,000 | 312,000 | 371,000 |
| Net income | -79,000 | 128,000 | 466,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,589,000 | 26,935,000 | 27,683,000 | 27,821,000 |
| Total capital | 28,350,000 | 28,825,000 | 29,612,000 | 29,709,000 |
| Risk-weighted assets | 139,655,000 | 150,166,000 | 153,367,000 | 150,083,000 |
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