Call reports 2004
PROVIDENT MUNICIPAL BANK — 2004
What PROVIDENT MUNICIPAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,004,000 | 90,958,000 | 116,460,000 | 143,209,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 93,323,000 | 88,464,000 | 87,125,000 | 111,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,150,000 | 75,348,000 | 106,686,000 | 118,381,000 |
| Interest-bearing deposits | 79,699,000 | 73,888,000 | 104,201,000 | 116,226,000 |
| Noninterest-bearing deposits | 2,451,000 | 1,460,000 | 2,485,000 | 2,155,000 |
| Equity capital | 9,824,000 | 8,785,000 | 9,621,000 | 13,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,286,000 | 2,015,000 | 2,991,000 |
| Interest expense | 163,000 | 476,000 | 953,000 | 1,363,000 |
| Net interest income | 445,000 | 810,000 | 1,062,000 | 1,628,000 |
| Noninterest income | 0 | 4,000 | 5,000 | 6,000 |
| Noninterest expense | 43,000 | 97,000 | 143,000 | 205,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 717,000 | 924,000 | 1,487,000 |
| Income tax | 144,000 | 255,000 | 308,000 | 466,000 |
| Net income | 258,000 | 462,000 | 616,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,314,000 | 9,518,000 | 9,672,000 | 13,608,000 |
| Total capital | 9,314,000 | 9,518,000 | 9,672,000 | 13,608,000 |
| Risk-weighted assets | 18,831,000 | 19,095,000 | 23,388,000 | 28,820,000 |