Call reports 2006
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2006
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 368,237,000 | 379,428,000 | 372,047,000 | 388,144,000 |
| Total loans | 204,245,000 | 216,878,000 | 220,044,000 | 235,241,000 |
| Allowance for loan losses | 2,541,000 | 2,575,000 | 2,615,000 | 2,754,000 |
| Securities available for sale | 132,105,000 | 129,001,000 | 117,091,000 | 119,003,000 |
| Securities held to maturity | 3,198,000 | 3,193,000 | 3,187,000 | 3,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,812,000 | 250,042,000 | 236,123,000 | 249,564,000 |
| Interest-bearing deposits | 233,305,000 | 233,635,000 | 218,622,000 | 231,470,000 |
| Noninterest-bearing deposits | 16,507,000 | 16,407,000 | 17,501,000 | 18,094,000 |
| Equity capital | 32,510,000 | 31,826,000 | 36,051,000 | 37,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,442,000 | 11,232,000 | 17,254,000 | 23,549,000 |
| Interest expense | 2,606,000 | 5,513,000 | 8,731,000 | 12,105,000 |
| Net interest income | 2,836,000 | 5,719,000 | 8,523,000 | 11,444,000 |
| Noninterest income | 640,000 | 1,351,000 | 2,025,000 | 2,713,000 |
| Noninterest expense | 2,124,000 | 4,423,000 | 6,635,000 | 8,885,000 |
| Provision for loan losses | 175,000 | 310,000 | 355,000 | 470,000 |
| Pretax income | 1,190,000 | 2,324,000 | 3,548,000 | 4,792,000 |
| Income tax | 279,000 | 540,000 | 822,000 | 949,000 |
| Net income | 911,000 | 1,784,000 | 2,726,000 | 3,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,535,000 | 30,566,000 | 33,669,000 | 34,143,000 |
| Total capital | 33,076,000 | 33,141,000 | 36,284,000 | 36,897,000 |
| Risk-weighted assets | 240,599,000 | 256,697,000 | 255,535,000 | 265,680,000 |