Call reports 2010
PROVIDENCE BANK — 2010
What PROVIDENCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 147,397,000 | 155,609,000 | 158,759,000 | 166,507,000 |
| Total loans | 125,047,000 | 128,625,000 | 131,118,000 | 142,786,000 |
| Allowance for loan losses | 1,969,000 | 1,933,000 | 1,994,000 | 2,450,000 |
| Securities available for sale | 3,002,000 | 3,020,000 | 3,023,000 | 2,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,000 | 90,000 | 131,000 | 62,000 |
| Total deposits | 117,780,000 | 125,154,000 | 129,873,000 | 133,926,000 |
| Interest-bearing deposits | 111,430,000 | 120,442,000 | 124,180,000 | 128,072,000 |
| Noninterest-bearing deposits | 6,350,000 | 4,712,000 | 5,693,000 | 5,854,000 |
| Equity capital | 17,909,000 | 18,207,000 | 18,451,000 | 18,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,831,000 | 3,641,000 | 5,500,000 | 7,493,000 |
| Interest expense | 534,000 | 1,089,000 | 1,637,000 | 2,209,000 |
| Net interest income | 1,297,000 | 2,552,000 | 3,863,000 | 5,284,000 |
| Noninterest income | 29,000 | 68,000 | 99,000 | 151,000 |
| Noninterest expense | 773,000 | 1,576,000 | 2,402,000 | 3,212,000 |
| Provision for loan losses | 153,000 | 201,000 | 264,000 | 750,000 |
| Pretax income | 400,000 | 843,000 | 1,296,000 | 1,473,000 |
| Income tax | 0 | 125,000 | 305,000 | 381,000 |
| Net income | 400,000 | 718,000 | 991,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,909,000 | 18,195,000 | 18,438,000 | 18,509,000 |
| Total capital | 19,450,000 | 19,774,000 | 20,061,000 | 20,228,000 |
| Risk-weighted assets | 122,820,000 | 125,963,000 | 129,504,000 | 136,750,000 |
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