Call reports 2009
PROVIDENCE BANK & TRUST — 2009
What PROVIDENCE BANK & TRUST 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 | 237,822,000 | 246,422,000 | 266,430,000 | 264,351,000 |
| Total loans | 183,108,000 | 195,828,000 | 185,187,000 | 184,198,000 |
| Allowance for loan losses | 2,480,000 | 2,807,000 | 2,238,000 | 2,671,000 |
| Securities available for sale | 32,580,000 | 33,351,000 | 33,867,000 | 56,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,587,000 | 212,155,000 | 231,752,000 | 231,372,000 |
| Interest-bearing deposits | 180,453,000 | 186,684,000 | 205,967,000 | 203,546,000 |
| Noninterest-bearing deposits | 24,134,000 | 25,471,000 | 25,785,000 | 27,826,000 |
| Equity capital | 22,312,000 | 22,243,000 | 22,514,000 | 22,633,000 |
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 | 3,150,000 | 6,443,000 | 9,745,000 | 13,117,000 |
| Interest expense | 1,218,000 | 2,436,000 | 3,593,000 | 4,580,000 |
| Net interest income | 1,932,000 | 4,007,000 | 6,152,000 | 8,537,000 |
| Noninterest income | 272,000 | 512,000 | 695,000 | 939,000 |
| Noninterest expense | 1,763,000 | 3,679,000 | 5,490,000 | 6,849,000 |
| Provision for loan losses | 300,000 | 610,000 | 1,270,000 | 2,545,000 |
| Pretax income | 144,000 | 233,000 | 293,000 | 348,000 |
| Income tax | 0 | 0 | 12,000 | 16,000 |
| Net income | 144,000 | 233,000 | 281,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,607,000 | 21,720,000 | 21,792,000 | 21,871,000 |
| Total capital | 24,087,000 | 24,392,000 | 24,030,000 | 24,483,000 |
| Risk-weighted assets | 204,004,000 | 213,595,000 | 210,238,000 | 208,927,000 |
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