Call reports 2015
PROFINIUM, INC. — 2015
What PROFINIUM, INC. 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 | 320,975,000 | 333,916,000 | 330,947,000 | 358,317,000 |
| Total loans | 222,584,000 | 231,514,000 | 246,218,000 | 273,223,000 |
| Allowance for loan losses | 2,849,000 | 3,047,000 | 3,097,000 | 2,852,000 |
| Securities available for sale | 69,632,000 | 69,256,000 | 66,495,000 | 64,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,638,000 | 287,521,000 | 285,874,000 | 286,504,000 |
| Interest-bearing deposits | 230,218,000 | 243,201,000 | 241,118,000 | 236,492,000 |
| Noninterest-bearing deposits | 44,420,000 | 44,320,000 | 44,756,000 | 50,012,000 |
| Equity capital | 34,266,000 | 34,319,000 | 34,926,000 | 35,805,000 |
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 | 3,067,000 | 6,110,000 | 9,244,000 | 12,613,000 |
| Interest expense | 382,000 | 787,000 | 1,182,000 | 1,599,000 |
| Net interest income | 2,685,000 | 5,323,000 | 8,062,000 | 11,014,000 |
| Noninterest income | 506,000 | 1,129,000 | 1,839,000 | 2,638,000 |
| Noninterest expense | 2,355,000 | 4,685,000 | 7,061,000 | 9,572,000 |
| Provision for loan losses | 97,000 | 195,000 | 232,000 | 0 |
| Pretax income | 741,000 | 1,574,000 | 2,610,000 | 4,099,000 |
| Income tax | 251,000 | 537,000 | 914,000 | 1,496,000 |
| Net income | 490,000 | 1,037,000 | 1,696,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,335,000 | 30,883,000 | 31,041,000 | 31,948,000 |
| Total capital | 33,184,000 | 33,823,000 | 34,106,000 | 34,800,000 |
| Risk-weighted assets | 235,405,000 | 235,084,000 | 245,182,000 | 270,797,000 |