Call reports 2014
PROFINIUM, INC. — 2014
What PROFINIUM, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 323,030,000 | 333,437,000 | 313,922,000 | 323,382,000 |
| Total loans | 219,108,000 | 221,435,000 | 224,935,000 | 236,875,000 |
| Allowance for loan losses | 3,902,000 | 3,823,000 | 3,878,000 | 2,739,000 |
| Securities available for sale | 73,131,000 | 71,649,000 | 72,318,000 | 70,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,128,000 | 284,515,000 | 265,762,000 | 271,000,000 |
| Interest-bearing deposits | 226,475,000 | 241,718,000 | 225,436,000 | 224,739,000 |
| Noninterest-bearing deposits | 46,653,000 | 42,797,000 | 40,326,000 | 46,261,000 |
| Equity capital | 31,927,000 | 32,635,000 | 32,748,000 | 33,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,022,000 | 6,076,000 | 9,211,000 | 12,353,000 |
| Interest expense | 380,000 | 785,000 | 1,174,000 | 1,559,000 |
| Net interest income | 2,642,000 | 5,291,000 | 8,037,000 | 10,794,000 |
| Noninterest income | 420,000 | 857,000 | 1,556,000 | 2,106,000 |
| Noninterest expense | 2,374,000 | 4,563,000 | 6,836,000 | 9,020,000 |
| Provision for loan losses | 205,000 | 310,000 | 415,000 | 520,000 |
| Pretax income | 483,000 | 1,284,000 | 2,354,000 | 3,372,000 |
| Income tax | 155,000 | 440,000 | 824,000 | 1,184,000 |
| Net income | 328,000 | 844,000 | 1,530,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,485,000 | 29,001,000 | 29,187,000 | 29,845,000 |
| Total capital | 31,406,000 | 31,954,000 | 32,182,000 | 32,584,000 |
| Risk-weighted assets | 232,695,000 | 235,647,000 | 238,711,000 | 252,642,000 |