Call reports 2003
PROVIDENT MUNICIPAL BANK — 2003
What PROVIDENT MUNICIPAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,479,000 | 39,735,000 | 40,659,000 | 43,155,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 36,139,000 | 36,185,000 | 35,944,000 | 37,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,679,000 | 19,813,000 | 31,008,000 | 15,053,000 |
| Interest-bearing deposits | 23,168,000 | 15,771,000 | 29,158,000 | 13,419,000 |
| Noninterest-bearing deposits | 3,511,000 | 4,042,000 | 1,850,000 | 1,634,000 |
| Equity capital | 5,650,000 | 5,779,000 | 5,758,000 | 5,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 548,000 | 822,000 | 1,105,000 |
| Interest expense | 156,000 | 267,000 | 360,000 | 464,000 |
| Net interest income | 117,000 | 281,000 | 462,000 | 641,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 22,000 | 66,000 | 102,000 | 134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 215,000 | 360,000 | 631,000 |
| Income tax | 36,000 | 80,000 | 127,000 | 222,000 |
| Net income | 59,000 | 135,000 | 233,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,205,000 | 5,282,000 | 5,380,000 | 5,556,000 |
| Total capital | 5,205,000 | 5,282,000 | 5,380,000 | 5,556,000 |
| Risk-weighted assets | 7,748,000 | 7,781,000 | 8,006,000 | 8,550,000 |