Call reports 2025
PROVIDENCE BANK & TRUST — 2025
What PROVIDENCE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,595,496,000 | 1,543,920,000 | 1,596,285,000 | 1,572,778,000 |
| Total loans | 1,092,737,000 | 1,085,088,000 | 1,109,978,000 | 1,108,807,000 |
| Allowance for loan losses | 18,658,000 | 17,612,000 | 17,555,000 | 16,446,000 |
| Securities available for sale | 381,232,000 | 363,630,000 | 126,133,000 | 101,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,376,969,000 | 1,341,368,000 | 1,388,323,000 | 1,366,207,000 |
| Interest-bearing deposits | 1,020,711,000 | 987,081,000 | 1,005,752,000 | 996,756,000 |
| Noninterest-bearing deposits | 356,258,000 | 354,287,000 | 382,571,000 | 369,451,000 |
| Equity capital | 164,155,000 | 167,834,000 | 175,370,000 | 183,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,501,000 | 38,756,000 | 59,532,000 | 81,973,000 |
| Interest expense | 6,902,000 | 13,313,000 | 19,626,000 | 25,370,000 |
| Net interest income | 12,599,000 | 25,443,000 | 39,906,000 | 56,603,000 |
| Noninterest income | 1,630,000 | 3,378,000 | 5,113,000 | 7,162,000 |
| Noninterest expense | 9,266,000 | 18,530,000 | 26,575,000 | 34,741,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 4,873,000 | 10,111,000 | -14,892,000 | -4,402,000 |
| Income tax | 1,307,000 | 2,721,000 | -4,255,000 | -1,363,000 |
| Net income | 3,566,000 | 7,390,000 | -10,637,000 | -3,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,174,000 | 180,392,000 | 161,759,000 | 169,751,000 |
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