Call reports 2004
PROVIDENT BANK — 2004
What PROVIDENT 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 | 4,093,077,000 | 4,139,598,000 | 6,493,231,000 | 6,372,277,000 |
| Total loans | 2,276,029,000 | 2,381,702,000 | 3,743,686,000 | 3,707,211,000 |
| Allowance for loan losses | 20,620,000 | 20,920,000 | 33,630,000 | 33,766,000 |
| Securities available for sale | 902,877,000 | 895,754,000 | 1,451,323,000 | 1,371,704,000 |
| Securities held to maturity | 507,792,000 | 496,460,000 | 458,884,000 | 444,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,703,409,000 | 2,758,617,000 | 4,132,318,000 | 4,108,399,000 |
| Interest-bearing deposits | 2,689,854,000 | 2,741,333,000 | 4,074,043,000 | 4,075,746,000 |
| Noninterest-bearing deposits | 13,555,000 | 17,284,000 | 58,275,000 | 32,653,000 |
| Equity capital | 577,959,000 | 577,369,000 | 1,009,703,000 | 941,163,000 |
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 | 47,183,000 | 93,254,000 | 157,776,000 | 227,815,000 |
| Interest expense | 13,370,000 | 26,977,000 | 47,617,000 | 69,904,000 |
| Net interest income | 33,813,000 | 66,277,000 | 110,159,000 | 157,911,000 |
| Noninterest income | 7,001,000 | 13,251,000 | 19,911,000 | 26,093,000 |
| Noninterest expense | 23,885,000 | 47,195,000 | 78,793,000 | 116,954,000 |
| Provision for loan losses | 600,000 | 1,650,000 | 2,700,000 | 3,600,000 |
| Pretax income | 15,491,000 | 28,566,000 | 49,146,000 | 64,017,000 |
| Income tax | 4,445,000 | 7,905,000 | 14,259,000 | 19,110,000 |
| Net income | 11,046,000 | 20,661,000 | 34,887,000 | 44,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 547,605,000 | 558,190,000 | 599,466,000 | 498,977,000 |
| Total capital | 568,354,000 | 579,191,000 | 633,184,000 | 532,865,000 |
| Risk-weighted assets | 2,556,082,000 | 2,647,116,000 | 3,829,470,000 | 3,749,075,000 |
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