Call reports 2007
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2007
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 397,275,000 | 389,807,000 | 415,410,000 | 407,740,000 |
| Total loans | 240,208,000 | 239,759,000 | 245,202,000 | 260,016,000 |
| Allowance for loan losses | 2,906,000 | 2,941,000 | 2,955,000 | 3,344,000 |
| Securities available for sale | 118,033,000 | 110,541,000 | 131,174,000 | 108,061,000 |
| Securities held to maturity | 3,176,000 | 3,133,000 | 3,130,000 | 3,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,656,000 | 259,638,000 | 264,453,000 | 271,127,000 |
| Interest-bearing deposits | 245,673,000 | 238,640,000 | 243,626,000 | 252,447,000 |
| Noninterest-bearing deposits | 19,984,000 | 20,998,000 | 20,826,000 | 18,680,000 |
| Equity capital | 38,358,000 | 37,718,000 | 38,228,000 | 39,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,433,000 | 12,903,000 | 19,484,000 | 26,046,000 |
| Interest expense | 3,463,000 | 6,952,000 | 10,586,000 | 14,318,000 |
| Net interest income | 2,970,000 | 5,951,000 | 8,898,000 | 11,728,000 |
| Noninterest income | 663,000 | 1,429,000 | 2,152,000 | 2,891,000 |
| Noninterest expense | 2,368,000 | 5,005,000 | 7,424,000 | 9,868,000 |
| Provision for loan losses | 160,000 | 245,000 | 265,000 | 1,066,000 |
| Pretax income | 1,105,000 | 2,129,000 | 3,359,000 | 3,743,000 |
| Income tax | 208,000 | 370,000 | 613,000 | 534,000 |
| Net income | 897,000 | 1,759,000 | 2,746,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,199,000 | 35,173,000 | 35,264,000 | 35,831,000 |
| Total capital | 38,105,000 | 38,114,000 | 38,219,000 | 39,175,000 |
| Risk-weighted assets | 277,640,000 | 276,258,000 | 286,911,000 | 299,303,000 |