Call reports 2005
PROFINIUM, INC. — 2005
What PROFINIUM, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 226,600,000 | 238,117,000 | 247,611,000 | 253,871,000 |
| Total loans | 191,598,000 | 203,663,000 | 212,500,000 | 215,193,000 |
| Allowance for loan losses | 2,046,000 | 2,131,000 | 2,176,000 | 2,192,000 |
| Securities available for sale | 19,488,000 | 18,250,000 | 18,324,000 | 18,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,934,000 | 195,846,000 | 212,745,000 | 212,906,000 |
| Interest-bearing deposits | 160,548,000 | 172,540,000 | 189,356,000 | 182,885,000 |
| Noninterest-bearing deposits | 24,386,000 | 23,306,000 | 23,389,000 | 30,021,000 |
| Equity capital | 23,306,000 | 24,057,000 | 24,640,000 | 25,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,210,000 | 6,794,000 | 10,732,000 | 14,698,000 |
| Interest expense | 964,000 | 2,141,000 | 3,567,000 | 5,002,000 |
| Net interest income | 2,246,000 | 4,653,000 | 7,165,000 | 9,696,000 |
| Noninterest income | 173,000 | 415,000 | 655,000 | 847,000 |
| Noninterest expense | 1,410,000 | 2,810,000 | 4,257,000 | 5,840,000 |
| Provision for loan losses | 30,000 | 120,000 | 200,000 | 310,000 |
| Pretax income | 979,000 | 2,138,000 | 3,363,000 | 4,335,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 978,000 | 2,135,000 | 3,359,000 | 4,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,567,000 | 20,237,000 | 20,946,000 | 21,508,000 |
| Total capital | 21,613,000 | 22,368,000 | 23,122,000 | 23,700,000 |
| Risk-weighted assets | 203,635,000 | 215,408,000 | 225,196,000 | 230,318,000 |