Call reports 2008
PROFINIUM, INC. — 2008
What PROFINIUM, INC. 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 | 305,105,000 | 313,678,000 | 315,099,000 | 314,327,000 |
| Total loans | 271,947,000 | 279,566,000 | 281,491,000 | 271,554,000 |
| Allowance for loan losses | 2,716,000 | 3,125,000 | 3,219,000 | 3,806,000 |
| Securities available for sale | 13,713,000 | 13,644,000 | 13,632,000 | 12,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,320,000 | 254,005,000 | 267,223,000 | 276,723,000 |
| Interest-bearing deposits | 215,701,000 | 227,903,000 | 237,859,000 | 245,674,000 |
| Noninterest-bearing deposits | 24,619,000 | 26,102,000 | 29,364,000 | 31,049,000 |
| Equity capital | 31,310,000 | 31,313,000 | 31,304,000 | 30,450,000 |
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 | 5,125,000 | 10,053,000 | 14,883,000 | 19,541,000 |
| Interest expense | 2,334,000 | 4,459,000 | 6,499,000 | 8,442,000 |
| Net interest income | 2,791,000 | 5,594,000 | 8,384,000 | 11,099,000 |
| Noninterest income | 282,000 | 635,000 | 966,000 | 1,160,000 |
| Noninterest expense | 2,019,000 | 4,071,000 | 6,148,000 | 8,165,000 |
| Provision for loan losses | 120,000 | 700,000 | 1,655,000 | 4,496,000 |
| Pretax income | 934,000 | 1,458,000 | 1,547,000 | -402,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 933,000 | 1,456,000 | 1,543,000 | -407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,257,000 | 27,469,000 | 27,410,000 | 26,461,000 |
| Total capital | 29,973,000 | 30,594,000 | 30,629,000 | 30,003,000 |
| Risk-weighted assets | 284,328,000 | 291,959,000 | 291,712,000 | 283,088,000 |