Call reports 2009
PROVIDENCE BANK — 2009
What PROVIDENCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,110,000 | 137,065,000 | 140,609,000 | 145,905,000 |
| Total loans | 111,311,000 | 118,057,000 | 121,357,000 | 123,297,000 |
| Allowance for loan losses | 1,389,000 | 1,473,000 | 1,556,000 | 1,816,000 |
| Securities available for sale | 1,344,000 | 2,425,000 | 2,440,000 | 3,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 9,000 | 41,000 | 6,000 |
| Total deposits | 87,835,000 | 106,597,000 | 112,891,000 | 112,438,000 |
| Interest-bearing deposits | 84,004,000 | 102,472,000 | 107,932,000 | 107,387,000 |
| Noninterest-bearing deposits | 3,831,000 | 4,124,000 | 4,959,000 | 5,051,000 |
| Equity capital | 12,554,000 | 12,886,000 | 13,261,000 | 17,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 3,022,000 | 4,812,000 | 6,653,000 |
| Interest expense | 606,000 | 1,236,000 | 1,865,000 | 2,434,000 |
| Net interest income | 715,000 | 1,786,000 | 2,947,000 | 4,219,000 |
| Noninterest income | 42,000 | 104,000 | 139,000 | 187,000 |
| Noninterest expense | 703,000 | 1,449,000 | 2,179,000 | 2,918,000 |
| Provision for loan losses | 194,000 | 278,000 | 405,000 | 663,000 |
| Pretax income | -140,000 | 163,000 | 502,000 | 825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -140,000 | 163,000 | 502,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,542,000 | 12,886,000 | 13,252,000 | 17,539,000 |
| Total capital | 13,917,000 | 14,347,000 | 14,737,000 | 19,058,000 |
| Risk-weighted assets | 109,952,000 | 116,832,000 | 118,724,000 | 121,233,000 |
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