Call reports 2005
PROVIDENCE BANK & TRUST — 2005
What PROVIDENCE BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 39,920,000 | 51,597,000 | 61,399,000 | 74,720,000 |
| Total loans | 24,095,000 | 33,610,000 | 39,080,000 | 48,605,000 |
| Allowance for loan losses | 350,000 | 500,000 | 590,000 | 730,000 |
| Securities available for sale | 7,005,000 | 7,018,000 | 8,773,000 | 9,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,370,000 | 38,194,000 | 47,835,000 | 61,004,000 |
| Interest-bearing deposits | 21,471,000 | 30,383,000 | 37,909,000 | 49,030,000 |
| Noninterest-bearing deposits | 4,899,000 | 7,811,000 | 9,926,000 | 11,974,000 |
| Equity capital | 13,422,000 | 13,068,000 | 12,662,000 | 12,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 899,000 | 1,617,000 | 2,573,000 |
| Interest expense | 97,000 | 250,000 | 500,000 | 854,000 |
| Net interest income | 261,000 | 649,000 | 1,117,000 | 1,719,000 |
| Noninterest income | 20,000 | 40,000 | 67,000 | 114,000 |
| Noninterest expense | 488,000 | 1,101,000 | 1,886,000 | 2,673,000 |
| Provision for loan losses | 130,000 | 280,000 | 370,000 | 510,000 |
| Pretax income | -337,000 | -692,000 | -1,072,000 | -1,350,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -337,000 | -692,000 | -1,072,000 | -1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,426,000 | 13,070,000 | 12,691,000 | 12,409,000 |
| Total capital | 13,776,000 | 13,570,000 | 13,281,000 | 13,139,000 |
| Risk-weighted assets | 30,444,000 | 44,225,000 | 50,504,000 | 61,097,000 |
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