Call reports 2006
PROVIDENT MUNICIPAL BANK — 2006
What PROVIDENT MUNICIPAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 176,208,000 | 163,459,000 | 178,621,000 | 204,319,000 |
| Total loans | 0 | 0 | 0 | 18,000 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 159,708,000 | 156,958,000 | 156,735,000 | 126,295,000 |
| Securities held to maturity | 868,000 | 868,000 | 802,000 | 802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,032,000 | 130,820,000 | 147,554,000 | 164,343,000 |
| Interest-bearing deposits | 157,329,000 | 124,266,000 | 142,795,000 | 159,734,000 |
| Noninterest-bearing deposits | 3,703,000 | 6,554,000 | 4,759,000 | 4,609,000 |
| Equity capital | 14,389,000 | 16,438,000 | 17,231,000 | 17,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 3,717,000 | 5,745,000 | 7,853,000 |
| Interest expense | 978,000 | 2,254,000 | 3,520,000 | 5,241,000 |
| Net interest income | 467,000 | 1,463,000 | 2,225,000 | 2,612,000 |
| Noninterest income | -434,000 | 2,366,000 | 1,434,000 | 1,189,000 |
| Noninterest expense | 73,000 | 201,000 | 295,000 | 411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -40,000 | 3,628,000 | 3,364,000 | 3,390,000 |
| Income tax | -69,000 | 1,319,000 | 1,152,000 | 1,135,000 |
| Net income | 29,000 | 2,309,000 | 2,212,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,830,000 | 16,950,000 | 17,999,000 | 18,041,000 |
| Total capital | 14,830,000 | 16,950,000 | 17,999,000 | 18,041,000 |
| Risk-weighted assets | 35,543,000 | 33,402,000 | 36,069,000 | 41,158,000 |