Call reports 2008
PROVIDENT BANK — 2008
What PROVIDENT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 6,376,985,000 | 6,368,939,000 | 6,436,021,000 | 6,535,144,000 |
| Total loans | 4,255,666,000 | 4,277,202,000 | 4,378,147,000 | 4,526,748,000 |
| Allowance for loan losses | 40,857,000 | 41,118,000 | 43,329,000 | 47,712,000 |
| Securities available for sale | 857,557,000 | 856,927,000 | 820,617,000 | 808,630,000 |
| Securities held to maturity | 353,941,000 | 355,020,000 | 354,112,000 | 347,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,257,812,000 | 4,197,081,000 | 4,160,627,000 | 4,251,388,000 |
| Interest-bearing deposits | 3,752,823,000 | 3,694,759,000 | 3,668,656,000 | 3,760,019,000 |
| Noninterest-bearing deposits | 504,989,000 | 502,322,000 | 491,970,000 | 491,369,000 |
| Equity capital | 887,715,000 | 891,911,000 | 898,773,000 | 907,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 76,537,000 | 151,777,000 | 228,342,000 | 303,961,000 |
| Interest expense | 38,195,000 | 71,677,000 | 103,686,000 | 135,135,000 |
| Net interest income | 38,342,000 | 80,100,000 | 124,656,000 | 168,826,000 |
| Noninterest income | 7,932,000 | 15,540,000 | 23,057,000 | 30,649,000 |
| Noninterest expense | 31,360,000 | 64,463,000 | 96,210,000 | 129,306,000 |
| Provision for loan losses | 1,300,000 | 2,800,000 | 6,600,000 | 15,100,000 |
| Pretax income | 13,614,000 | 28,387,000 | 44,481,000 | 54,721,000 |
| Income tax | 3,988,000 | 8,091,000 | 12,253,000 | 14,866,000 |
| Net income | 9,626,000 | 20,296,000 | 32,228,000 | 39,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 361,309,000 | 373,692,000 | 383,866,000 | 394,201,000 |
| Total capital | 402,166,000 | 414,810,000 | 427,195,000 | 441,913,000 |
| Risk-weighted assets | 3,991,877,000 | 3,972,186,000 | 4,014,438,000 | 4,101,272,000 |
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