Call reports 2014
PROVIDENCE BANK & TRUST — 2014
What PROVIDENCE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 444,961,000 | 442,514,000 | 495,391,000 | 495,146,000 |
| Total loans | 279,307,000 | 291,677,000 | 334,647,000 | 330,197,000 |
| Allowance for loan losses | 6,575,000 | 6,038,000 | 6,029,000 | 6,443,000 |
| Securities available for sale | 117,503,000 | 113,419,000 | 109,081,000 | 111,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,325,000 | 388,984,000 | 435,204,000 | 435,234,000 |
| Interest-bearing deposits | 321,581,000 | 316,969,000 | 352,456,000 | 346,535,000 |
| Noninterest-bearing deposits | 74,744,000 | 72,015,000 | 82,748,000 | 88,699,000 |
| Equity capital | 39,670,000 | 41,986,000 | 44,873,000 | 46,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,220,000 | 8,501,000 | 13,350,000 | 18,300,000 |
| Interest expense | 383,000 | 761,000 | 1,164,000 | 1,565,000 |
| Net interest income | 3,837,000 | 7,740,000 | 12,186,000 | 16,735,000 |
| Noninterest income | 494,000 | 1,019,000 | 4,528,000 | 6,314,000 |
| Noninterest expense | 3,163,000 | 6,189,000 | 9,954,000 | 13,355,000 |
| Provision for loan losses | 110,000 | 110,000 | 110,000 | 591,000 |
| Pretax income | 1,059,000 | 2,542,000 | 6,805,000 | 9,337,000 |
| Income tax | 345,000 | 862,000 | 2,498,000 | 3,437,000 |
| Net income | 714,000 | 1,680,000 | 4,307,000 | 5,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,241,000 | 39,908,000 | 42,794,000 | 43,906,000 |
| Total capital | 42,396,000 | 44,209,000 | 47,638,000 | 48,800,000 |
| Risk-weighted assets | 329,985,000 | 342,304,000 | 386,306,000 | 389,953,000 |
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