Call reports 2007
PROVIDENT BANK — 2007
What PROVIDENT 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 | 5,672,475,000 | 6,131,154,000 | 6,226,492,000 | 6,338,298,000 |
| Total loans | 3,765,204,000 | 4,110,468,000 | 4,228,264,000 | 4,296,291,000 |
| Allowance for loan losses | 32,678,000 | 36,764,000 | 37,591,000 | 40,782,000 |
| Securities available for sale | 714,724,000 | 757,236,000 | 728,126,000 | 787,235,000 |
| Securities held to maturity | 380,084,000 | 371,159,000 | 365,539,000 | 358,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,835,865,000 | 4,361,513,000 | 4,312,644,000 | 4,248,086,000 |
| Interest-bearing deposits | 3,359,828,000 | 3,833,469,000 | 3,782,684,000 | 3,735,285,000 |
| Noninterest-bearing deposits | 476,037,000 | 528,044,000 | 529,959,000 | 512,801,000 |
| Equity capital | 878,647,000 | 907,808,000 | 878,967,000 | 875,525,000 |
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 | 69,907,000 | 146,685,000 | 224,387,000 | 302,079,000 |
| Interest expense | 33,494,000 | 71,101,000 | 110,386,000 | 150,662,000 |
| Net interest income | 36,413,000 | 75,584,000 | 114,001,000 | 151,417,000 |
| Noninterest income | 7,649,000 | 21,820,000 | 29,847,000 | 37,815,000 |
| Noninterest expense | 29,083,000 | 62,969,000 | 98,505,000 | 132,110,000 |
| Provision for loan losses | 300,000 | 1,500,000 | 2,800,000 | 6,530,000 |
| Pretax income | 14,679,000 | 32,819,000 | 42,428,000 | 49,543,000 |
| Income tax | 4,534,000 | 9,793,000 | 11,850,000 | 12,505,000 |
| Net income | 10,145,000 | 23,026,000 | 30,578,000 | 37,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 456,249,000 | 393,167,000 | 361,986,000 | 350,594,000 |
| Total capital | 488,927,000 | 429,931,000 | 399,577,000 | 391,376,000 |
| Risk-weighted assets | 3,552,175,000 | 3,791,225,000 | 3,876,201,000 | 3,972,563,000 |
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