Call reports 2003
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Total assets | 342,283,000 | 332,201,000 |
| Total loans | 154,763,000 | 156,884,000 |
| Allowance for loan losses | 1,842,000 | 2,383,000 |
| Securities available for sale | 157,438,000 | 123,790,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 214,231,000 | 213,872,000 |
| Interest-bearing deposits | 204,367,000 | 203,967,000 |
| Noninterest-bearing deposits | 9,864,000 | 9,905,000 |
| Equity capital | 33,166,000 | 32,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Interest income | 12,658,000 | 16,442,000 |
| Interest expense | 6,116,000 | 8,321,000 |
| Net interest income | 6,542,000 | 8,121,000 |
| Noninterest income | 1,101,000 | 1,279,000 |
| Noninterest expense | 5,432,000 | 7,518,000 |
| Provision for loan losses | 545,000 | 1,270,000 |
| Pretax income | 2,215,000 | 497,000 |
| Income tax | 414,000 | -228,000 |
| Net income | 1,801,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Tier 1 capital | 28,613,000 | 27,753,000 |
| Total capital | 30,455,000 | 29,958,000 |
| Risk-weighted assets | 167,633,000 | 176,269,000 |