Call reports 2007
PROVIDENT MUNICIPAL BANK — 2007
What PROVIDENT MUNICIPAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 216,776,000 | 226,101,000 | 236,833,000 | 192,706,000 |
| Total loans | 3,000 | 20,000 | 7,000 | 2,000 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 134,189,000 | 134,455,000 | 151,352,000 | 125,929,000 |
| Securities held to maturity | 802,000 | 802,000 | 736,000 | 736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,771,000 | 192,557,000 | 176,456,000 | 141,820,000 |
| Interest-bearing deposits | 180,946,000 | 186,548,000 | 171,146,000 | 136,871,000 |
| Noninterest-bearing deposits | 6,825,000 | 6,009,000 | 5,310,000 | 4,949,000 |
| Equity capital | 17,921,000 | 17,624,000 | 23,453,000 | 34,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,381,000 | 4,884,000 | 7,643,000 | 10,323,000 |
| Interest expense | 1,840,000 | 3,867,000 | 6,180,000 | 8,471,000 |
| Net interest income | 541,000 | 1,017,000 | 1,463,000 | 1,852,000 |
| Noninterest income | -287,000 | -64,000 | -141,000 | -131,000 |
| Noninterest expense | 89,000 | 187,000 | 365,000 | 479,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 766,000 | 957,000 | 1,242,000 |
| Income tax | -7,000 | 232,000 | 421,000 | 142,000 |
| Net income | 172,000 | 534,000 | 536,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,213,000 | 18,575,000 | 23,577,000 | 34,141,000 |
| Total capital | 18,213,000 | 18,575,000 | 23,577,000 | 34,141,000 |
| Risk-weighted assets | 43,549,000 | 46,122,000 | 47,522,000 | 38,467,000 |