Call reports 2010
PROVIDENCE BANK & TRUST — 2010
What PROVIDENCE BANK & TRUST 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 | 262,795,000 | 277,048,000 | 301,828,000 | 307,335,000 |
| Total loans | 183,164,000 | 183,297,000 | 187,491,000 | 202,997,000 |
| Allowance for loan losses | 2,937,000 | 3,047,000 | 3,390,000 | 3,863,000 |
| Securities available for sale | 53,421,000 | 65,490,000 | 72,159,000 | 83,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,002,000 | 245,034,000 | 270,271,000 | 268,182,000 |
| Interest-bearing deposits | 202,369,000 | 214,520,000 | 232,572,000 | 231,922,000 |
| Noninterest-bearing deposits | 28,633,000 | 30,514,000 | 37,699,000 | 36,260,000 |
| Equity capital | 23,490,000 | 25,258,000 | 25,481,000 | 30,848,000 |
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 | 3,345,000 | 6,669,000 | 10,154,000 | 13,682,000 |
| Interest expense | 788,000 | 1,554,000 | 2,328,000 | 3,074,000 |
| Net interest income | 2,557,000 | 5,115,000 | 7,826,000 | 10,608,000 |
| Noninterest income | 237,000 | 422,000 | 849,000 | 1,023,000 |
| Noninterest expense | 1,817,000 | 3,706,000 | 5,998,000 | 8,153,000 |
| Provision for loan losses | 360,000 | 750,000 | 1,110,000 | 1,690,000 |
| Pretax income | 617,000 | 1,081,000 | 1,567,000 | 1,788,000 |
| Income tax | 11,000 | -768,000 | -759,000 | -636,000 |
| Net income | 606,000 | 1,849,000 | 2,326,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,502,000 | 23,765,000 | 24,246,000 | 30,602,000 |
| Total capital | 25,105,000 | 26,428,000 | 27,005,000 | 33,538,000 |
| Risk-weighted assets | 207,903,000 | 212,660,000 | 220,088,000 | 233,931,000 |
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