Call reports 2013
PROVIDENCE BANK & TRUST — 2013
What PROVIDENCE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 410,699,000 | 424,222,000 | 441,637,000 | 447,229,000 |
| Total loans | 253,268,000 | 264,636,000 | 274,211,000 | 283,212,000 |
| Allowance for loan losses | 5,779,000 | 5,984,000 | 6,197,000 | 6,458,000 |
| Securities available for sale | 112,751,000 | 116,154,000 | 109,552,000 | 113,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,905,000 | 375,342,000 | 395,258,000 | 396,005,000 |
| Interest-bearing deposits | 302,078,000 | 311,464,000 | 327,153,000 | 320,866,000 |
| Noninterest-bearing deposits | 58,827,000 | 63,878,000 | 68,105,000 | 75,139,000 |
| Equity capital | 38,293,000 | 37,253,000 | 37,732,000 | 38,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,384,000 | 8,434,000 | 12,568,000 | 16,906,000 |
| Interest expense | 393,000 | 798,000 | 1,207,000 | 1,607,000 |
| Net interest income | 3,991,000 | 7,636,000 | 11,361,000 | 15,299,000 |
| Noninterest income | 682,000 | 1,290,000 | 1,902,000 | 2,447,000 |
| Noninterest expense | 2,982,000 | 6,277,000 | 9,389,000 | 12,070,000 |
| Provision for loan losses | 220,000 | 550,000 | 880,000 | 1,210,000 |
| Pretax income | 1,472,000 | 2,312,000 | 3,207,000 | 4,737,000 |
| Income tax | 527,000 | 799,000 | 1,091,000 | 1,629,000 |
| Net income | 945,000 | 1,513,000 | 2,116,000 | 3,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,054,000 | 36,125,000 | 36,765,000 | 37,806,000 |
| Total capital | 39,861,000 | 40,087,000 | 40,858,000 | 42,030,000 |
| Risk-weighted assets | 302,616,000 | 314,974,000 | 325,366,000 | 335,699,000 |
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