Call reports 2012
PROVIDENT BANK — 2012
What PROVIDENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 7,121,233,000 | 7,135,171,000 | 7,265,532,000 | 7,283,881,000 |
| Total loans | 4,658,802,000 | 4,735,130,000 | 4,818,857,000 | 4,904,699,000 |
| Allowance for loan losses | 73,996,000 | 72,352,000 | 70,280,000 | 70,348,000 |
| Securities available for sale | 1,400,641,000 | 1,310,950,000 | 1,338,824,000 | 1,265,632,000 |
| Securities held to maturity | 351,669,000 | 363,210,000 | 352,307,000 | 359,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,224,640,000 | 5,234,839,000 | 5,399,876,000 | 5,456,172,000 |
| Interest-bearing deposits | 4,515,319,000 | 4,477,429,000 | 4,560,065,000 | 4,564,460,000 |
| Noninterest-bearing deposits | 709,322,000 | 757,411,000 | 839,811,000 | 891,712,000 |
| Equity capital | 884,471,000 | 894,911,000 | 908,101,000 | 903,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 66,879,000 | 132,893,000 | 197,649,000 | 262,251,000 |
| Interest expense | 12,671,000 | 24,740,000 | 36,411,000 | 47,434,000 |
| Net interest income | 54,208,000 | 108,153,000 | 161,238,000 | 214,817,000 |
| Noninterest income | 10,431,000 | 19,666,000 | 28,882,000 | 38,531,000 |
| Noninterest expense | 36,341,000 | 73,857,000 | 110,411,000 | 147,546,000 |
| Provision for loan losses | 5,000,000 | 8,500,000 | 12,000,000 | 16,000,000 |
| Pretax income | 25,481,000 | 47,646,000 | 70,191,000 | 94,299,000 |
| Income tax | 7,187,000 | 13,702,000 | 20,456,000 | 28,167,000 |
| Net income | 18,294,000 | 33,944,000 | 49,735,000 | 66,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 516,671,000 | 527,365,000 | 538,264,000 | 539,478,000 |
| Total capital | 573,453,000 | 584,733,000 | 596,684,000 | 600,448,000 |
| Risk-weighted assets | 4,525,359,000 | 4,574,427,000 | 4,661,952,000 | 4,868,243,000 |