Call reports 2016
PROFINIUM, INC. — 2016
What PROFINIUM, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 353,683,000 | 363,056,000 | 358,302,000 | 355,858,000 |
| Total loans | 268,254,000 | 271,201,000 | 273,517,000 | 272,685,000 |
| Allowance for loan losses | 2,940,000 | 3,041,000 | 3,109,000 | 2,732,000 |
| Securities available for sale | 62,964,000 | 61,244,000 | 59,653,000 | 56,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,435,000 | 311,707,000 | 311,997,000 | 310,540,000 |
| Interest-bearing deposits | 243,943,000 | 260,001,000 | 257,872,000 | 256,143,000 |
| Noninterest-bearing deposits | 49,492,000 | 51,706,000 | 54,125,000 | 54,397,000 |
| Equity capital | 36,954,000 | 37,935,000 | 37,609,000 | 37,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,471,000 | 6,933,000 | 10,366,000 | 13,796,000 |
| Interest expense | 473,000 | 968,000 | 1,482,000 | 1,996,000 |
| Net interest income | 2,998,000 | 5,965,000 | 8,884,000 | 11,800,000 |
| Noninterest income | 611,000 | 1,274,000 | 1,929,000 | 2,812,000 |
| Noninterest expense | 2,494,000 | 4,953,000 | 7,392,000 | 10,103,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 1,055,000 | 2,166,000 | 3,241,000 | 4,329,000 |
| Income tax | 376,000 | 777,000 | 1,167,000 | 1,562,000 |
| Net income | 679,000 | 1,389,000 | 2,074,000 | 2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,627,000 | 33,337,000 | 33,022,000 | 33,715,000 |
| Total capital | 35,567,000 | 36,378,000 | 36,131,000 | 36,447,000 |
| Risk-weighted assets | 273,512,000 | 281,743,000 | 288,611,000 | 295,000,000 |