Call reports 2005
PROVIDENT MUNICIPAL BANK — 2005
What PROVIDENT MUNICIPAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,200,000 | 176,743,000 | 145,293,000 | 154,002,000 |
| Total loans | 0 | 0 | 0 | 11,000 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 118,111,000 | 116,192,000 | 113,497,000 | 127,008,000 |
| Securities held to maturity | 1,105,000 | 1,105,000 | 868,000 | 868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,823,000 | 127,588,000 | 116,902,000 | 106,640,000 |
| Interest-bearing deposits | 120,793,000 | 123,902,000 | 112,854,000 | 102,749,000 |
| Noninterest-bearing deposits | 3,030,000 | 3,686,000 | 4,048,000 | 3,891,000 |
| Equity capital | 13,540,000 | 14,198,000 | 14,740,000 | 14,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,088,000 | 2,290,000 | 3,569,000 | 4,966,000 |
| Interest expense | 389,000 | 1,154,000 | 2,012,000 | 2,968,000 |
| Net interest income | 699,000 | 1,136,000 | 1,557,000 | 1,998,000 |
| Noninterest income | 46,000 | 148,000 | 2,041,000 | 1,687,000 |
| Noninterest expense | 70,000 | 133,000 | 205,000 | 286,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 673,000 | 1,149,000 | 3,393,000 | 3,399,000 |
| Income tax | 243,000 | 401,000 | 1,268,000 | 1,221,000 |
| Net income | 430,000 | 748,000 | 2,125,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,038,000 | 14,355,000 | 14,702,000 | 14,991,000 |
| Total capital | 14,038,000 | 14,355,000 | 14,702,000 | 14,991,000 |
| Risk-weighted assets | 30,521,000 | 35,838,000 | 30,489,000 | 32,158,000 |