Call reports 2012
PROVIDENCE BANK & TRUST — 2012
What PROVIDENCE BANK & TRUST 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 | 381,712,000 | 382,624,000 | 389,028,000 | 403,776,000 |
| Total loans | 252,427,000 | 242,776,000 | 237,236,000 | 263,825,000 |
| Allowance for loan losses | 4,429,000 | 4,677,000 | 4,925,000 | 5,558,000 |
| Securities available for sale | 99,217,000 | 96,938,000 | 104,141,000 | 104,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,650,000 | 333,703,000 | 341,246,000 | 354,495,000 |
| Interest-bearing deposits | 287,572,000 | 285,222,000 | 285,179,000 | 290,165,000 |
| Noninterest-bearing deposits | 47,078,000 | 48,481,000 | 56,067,000 | 64,330,000 |
| Equity capital | 35,104,000 | 35,966,000 | 37,298,000 | 37,731,000 |
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 | 4,366,000 | 8,506,000 | 12,563,000 | 16,621,000 |
| Interest expense | 598,000 | 1,147,000 | 1,635,000 | 2,074,000 |
| Net interest income | 3,768,000 | 7,359,000 | 10,928,000 | 14,547,000 |
| Noninterest income | 619,000 | 1,323,000 | 2,478,000 | 3,356,000 |
| Noninterest expense | 2,390,000 | 5,166,000 | 7,889,000 | 10,537,000 |
| Provision for loan losses | 420,000 | 840,000 | 1,260,000 | 1,967,000 |
| Pretax income | 1,577,000 | 2,689,000 | 4,270,000 | 5,412,000 |
| Income tax | 576,000 | 963,000 | 1,533,000 | 1,925,000 |
| Net income | 1,001,000 | 1,726,000 | 2,737,000 | 3,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,883,000 | 33,615,000 | 34,644,000 | 35,407,000 |
| Total capital | 36,487,000 | 37,225,000 | 38,192,000 | 39,265,000 |
| Risk-weighted assets | 287,516,000 | 287,721,000 | 282,501,000 | 306,907,000 |
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