Call reports 2012
PROVIDENCE BANK — 2012
What PROVIDENCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 197,262,000 | 181,784,000 | 190,268,000 | 192,687,000 |
| Total loans | 151,928,000 | 152,709,000 | 150,847,000 | 155,168,000 |
| Allowance for loan losses | 2,467,000 | 2,517,000 | 2,505,000 | 2,413,000 |
| Securities available for sale | 1,999,000 | 2,001,000 | 2,002,000 | 2,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 147,000 | 180,000 | 187,000 | 176,000 |
| Total deposits | 167,891,000 | 152,660,000 | 160,677,000 | 158,903,000 |
| Interest-bearing deposits | 159,472,000 | 144,044,000 | 150,619,000 | 147,564,000 |
| Noninterest-bearing deposits | 8,419,000 | 8,616,000 | 10,058,000 | 11,339,000 |
| Equity capital | 20,091,000 | 20,513,000 | 20,945,000 | 21,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,102,000 | 4,236,000 | 6,392,000 | 8,538,000 |
| Interest expense | 536,000 | 1,066,000 | 1,591,000 | 2,118,000 |
| Net interest income | 1,566,000 | 3,170,000 | 4,801,000 | 6,420,000 |
| Noninterest income | 93,000 | 195,000 | 294,000 | 405,000 |
| Noninterest expense | 902,000 | 1,782,000 | 2,702,000 | 3,779,000 |
| Provision for loan losses | 38,000 | 92,000 | 105,000 | 176,000 |
| Pretax income | 719,000 | 1,491,000 | 2,288,000 | 2,870,000 |
| Income tax | 265,000 | 549,000 | 840,000 | 1,048,000 |
| Net income | 454,000 | 942,000 | 1,448,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,092,000 | 20,513,000 | 20,944,000 | 21,244,000 |
| Total capital | 21,858,000 | 22,281,000 | 22,707,000 | 23,065,000 |
| Risk-weighted assets | 140,573,000 | 140,712,000 | 140,331,000 | 145,052,000 |