Call reports 2002
PROVIDENT STATE BANK, INC. — 2002
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 122,174,000 | 130,820,000 | 137,893,000 | 140,002,000 |
| Total loans | 87,886,000 | 93,736,000 | 95,985,000 | 93,335,000 |
| Allowance for loan losses | 930,000 | 940,000 | 953,000 | 965,000 |
| Securities available for sale | 19,168,000 | 18,519,000 | 17,489,000 | 25,430,000 |
| Securities held to maturity | 1,414,000 | 916,000 | 745,000 | 386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,618,000 | 118,797,000 | 124,780,000 | 125,673,000 |
| Interest-bearing deposits | 93,794,000 | 100,661,000 | 106,306,000 | 106,446,000 |
| Noninterest-bearing deposits | 16,824,000 | 18,136,000 | 18,474,000 | 19,227,000 |
| Equity capital | 10,999,000 | 11,511,000 | 11,995,000 | 11,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,909,000 | 5,944,000 | 7,988,000 |
| Interest expense | 922,000 | 1,859,000 | 2,810,000 | 3,669,000 |
| Net interest income | 993,000 | 2,050,000 | 3,134,000 | 4,319,000 |
| Noninterest income | 153,000 | 319,000 | 485,000 | 669,000 |
| Noninterest expense | 805,000 | 1,648,000 | 2,487,000 | 3,364,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 336,000 | 701,000 | 1,097,000 | 1,574,000 |
| Income tax | 78,000 | 160,000 | 265,000 | 386,000 |
| Net income | 258,000 | 541,000 | 832,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,022,000 | 11,305,000 | 11,597,000 | 11,660,000 |
| Total capital | 11,952,000 | 12,245,000 | 12,550,000 | 12,625,000 |
| Risk-weighted assets | 81,554,000 | 92,161,000 | 95,133,000 | 93,789,000 |