Call reports 2014
PROVIDENCE BANK — 2014
What PROVIDENCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 221,307,000 | 248,338,000 | 242,623,000 | 236,995,000 |
| Total loans | 180,473,000 | 182,456,000 | 189,074,000 | 187,189,000 |
| Allowance for loan losses | 2,523,000 | 2,551,000 | 2,660,000 | 2,660,000 |
| Securities available for sale | 2,001,000 | 2,003,000 | 2,001,000 | 1,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 106,000 | 110,000 | 97,000 | 99,000 |
| Total deposits | 184,265,000 | 211,887,000 | 212,765,000 | 203,723,000 |
| Interest-bearing deposits | 168,308,000 | 197,216,000 | 196,898,000 | 187,286,000 |
| Noninterest-bearing deposits | 15,957,000 | 14,671,000 | 15,867,000 | 16,437,000 |
| Equity capital | 23,397,000 | 23,836,000 | 24,370,000 | 27,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,855,000 | 7,410,000 | 9,960,000 |
| Interest expense | 550,000 | 1,091,000 | 1,632,000 | 2,157,000 |
| Net interest income | 1,830,000 | 3,764,000 | 5,778,000 | 7,803,000 |
| Noninterest income | 90,000 | 184,000 | 282,000 | 390,000 |
| Noninterest expense | 1,100,000 | 2,267,000 | 3,425,000 | 4,624,000 |
| Provision for loan losses | 40,000 | 67,000 | 158,000 | 158,000 |
| Pretax income | 780,000 | 1,614,000 | 2,477,000 | 3,411,000 |
| Income tax | 272,000 | 566,000 | 886,000 | 1,218,000 |
| Net income | 508,000 | 1,048,000 | 1,591,000 | 2,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,396,000 | 23,834,000 | 24,369,000 | 27,449,000 |
| Total capital | 25,516,000 | 26,007,000 | 26,574,000 | 29,636,000 |
| Risk-weighted assets | 169,171,000 | 173,477,000 | 175,957,000 | 174,495,000 |
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