Call reports 2004
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 359,724,000 | 353,366,000 | 351,225,000 | 351,705,000 |
| Total loans | 157,522,000 | 163,433,000 | 169,726,000 | 173,118,000 |
| Allowance for loan losses | 2,320,000 | 1,887,000 | 2,100,000 | 2,026,000 |
| Securities available for sale | 165,806,000 | 152,423,000 | 146,287,000 | 141,865,000 |
| Securities held to maturity | 6,997,000 | 6,997,000 | 8,633,000 | 1,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,151,000 | 222,475,000 | 220,731,000 | 224,595,000 |
| Interest-bearing deposits | 210,923,000 | 210,323,000 | 208,726,000 | 211,143,000 |
| Noninterest-bearing deposits | 10,228,000 | 12,152,000 | 12,005,000 | 13,452,000 |
| Equity capital | 34,094,000 | 30,935,000 | 33,939,000 | 33,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,095,000 | 8,267,000 | 12,540,000 | 16,973,000 |
| Interest expense | 1,682,000 | 3,366,000 | 5,071,000 | 6,819,000 |
| Net interest income | 2,413,000 | 4,901,000 | 7,469,000 | 10,154,000 |
| Noninterest income | 466,000 | 998,000 | 1,494,000 | 1,928,000 |
| Noninterest expense | 1,932,000 | 3,835,000 | 5,693,000 | 7,421,000 |
| Provision for loan losses | 135,000 | 385,000 | 775,000 | 1,250,000 |
| Pretax income | 812,000 | 1,679,000 | 2,487,000 | 3,435,000 |
| Income tax | 163,000 | 351,000 | 510,000 | 721,000 |
| Net income | 649,000 | 1,328,000 | 1,977,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,554,000 | 28,280,000 | 29,124,000 | 28,958,000 |
| Total capital | 30,854,000 | 30,167,000 | 31,224,000 | 30,984,000 |
| Risk-weighted assets | 184,019,000 | 193,644,000 | 197,775,000 | 202,069,000 |