Call reports 2009
PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION — 2009
What PROVIDENT COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 466,817,000 | 464,232,000 | 465,124,000 | 456,876,000 |
| Total loans | 286,895,000 | 270,747,000 | 267,596,000 | 256,059,000 |
| Allowance for loan losses | 8,139,000 | 3,767,000 | 4,240,000 | 5,579,000 |
| Securities available for sale | 127,912,000 | 134,937,000 | 140,713,000 | 147,816,000 |
| Securities held to maturity | 2,934,000 | 3,934,000 | 3,934,000 | 3,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,330,000 | 337,831,000 | 338,917,000 | 334,661,000 |
| Interest-bearing deposits | 311,601,000 | 316,177,000 | 316,727,000 | 313,504,000 |
| Noninterest-bearing deposits | 22,729,000 | 21,654,000 | 22,190,000 | 21,157,000 |
| Equity capital | 41,441,000 | 41,448,000 | 41,307,000 | 36,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,147,000 | 10,501,000 | 15,858,000 | 20,923,000 |
| Interest expense | 2,876,000 | 5,745,000 | 8,518,000 | 11,064,000 |
| Net interest income | 2,271,000 | 4,756,000 | 7,340,000 | 9,859,000 |
| Noninterest income | 593,000 | 1,256,000 | 1,982,000 | 2,420,000 |
| Noninterest expense | 2,714,000 | 5,985,000 | 9,143,000 | 15,144,000 |
| Provision for loan losses | 2,700,000 | 3,625,000 | 5,050,000 | 8,695,000 |
| Pretax income | -2,455,000 | -3,219,000 | -4,111,000 | -10,785,000 |
| Income tax | -930,000 | -1,294,000 | -1,696,000 | -4,011,000 |
| Net income | -1,525,000 | -1,925,000 | -2,415,000 | -6,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,035,000 | 39,712,000 | 40,470,000 | 32,924,000 |
| Total capital | 44,020,000 | 43,479,000 | 44,442,000 | 36,703,000 |
| Risk-weighted assets | 314,665,000 | 317,708,000 | 317,487,000 | 303,139,000 |