Call reports 2005
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 354,605,000 | 375,160,000 | 359,315,000 | 371,217,000 |
| Total loans | 178,503,000 | 185,959,000 | 184,039,000 | 194,971,000 |
| Allowance for loan losses | 2,170,000 | 2,466,000 | 2,598,000 | 2,394,000 |
| Securities available for sale | 142,079,000 | 158,512,000 | 140,251,000 | 143,080,000 |
| Securities held to maturity | 1,625,000 | 2,195,000 | 3,209,000 | 3,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,631,000 | 232,621,000 | 235,583,000 | 236,372,000 |
| Interest-bearing deposits | 219,564,000 | 219,460,000 | 220,824,000 | 221,796,000 |
| Noninterest-bearing deposits | 14,067,000 | 13,161,000 | 14,759,000 | 14,576,000 |
| Equity capital | 31,683,000 | 33,663,000 | 32,776,000 | 32,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,420,000 | 9,130,000 | 14,048,000 | 19,252,000 |
| Interest expense | 1,834,000 | 3,902,000 | 6,079,000 | 8,393,000 |
| Net interest income | 2,586,000 | 5,228,000 | 7,969,000 | 10,859,000 |
| Noninterest income | 513,000 | 1,145,000 | 1,717,000 | 2,339,000 |
| Noninterest expense | 2,024,000 | 4,026,000 | 6,056,000 | 8,184,000 |
| Provision for loan losses | 208,000 | 549,000 | 769,000 | 869,000 |
| Pretax income | 875,000 | 1,804,000 | 2,867,000 | 4,097,000 |
| Income tax | 177,000 | 371,000 | 613,000 | 914,000 |
| Net income | 698,000 | 1,433,000 | 2,254,000 | 3,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,305,000 | 29,350,000 | 29,294,000 | 29,465,000 |
| Total capital | 30,475,000 | 31,816,000 | 31,891,000 | 31,859,000 |
| Risk-weighted assets | 206,810,000 | 222,197,000 | 219,405,000 | 234,251,000 |