Call reports 2003
PROVIDENT STATE BANK, INC. — 2003
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 148,124,000 | 148,944,000 | 151,211,000 | 155,218,000 |
| Total loans | 94,809,000 | 101,751,000 | 106,351,000 | 110,235,000 |
| Allowance for loan losses | 956,000 | 963,000 | 976,000 | 974,000 |
| Securities available for sale | 23,054,000 | 25,322,000 | 23,432,000 | 22,340,000 |
| Securities held to maturity | 383,000 | 280,000 | 279,000 | 276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,205,000 | 133,316,000 | 136,085,000 | 140,156,000 |
| Interest-bearing deposits | 112,448,000 | 111,855,000 | 115,221,000 | 117,535,000 |
| Noninterest-bearing deposits | 20,757,000 | 21,461,000 | 20,864,000 | 22,622,000 |
| Equity capital | 12,322,000 | 12,900,000 | 12,499,000 | 12,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,930,000 | 5,967,000 | 7,995,000 |
| Interest expense | 791,000 | 1,581,000 | 2,378,000 | 3,154,000 |
| Net interest income | 1,155,000 | 2,349,000 | 3,589,000 | 4,841,000 |
| Noninterest income | 166,000 | 333,000 | 508,000 | 694,000 |
| Noninterest expense | 853,000 | 1,736,000 | 2,676,000 | 3,769,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 456,000 | 922,000 | 1,385,000 | 1,718,000 |
| Income tax | 125,000 | 261,000 | 375,000 | 442,000 |
| Net income | 331,000 | 661,000 | 1,010,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,991,000 | 12,322,000 | 12,170,000 | 12,436,000 |
| Total capital | 12,947,000 | 13,285,000 | 13,146,000 | 13,410,000 |
| Risk-weighted assets | 96,593,000 | 101,999,000 | 106,601,000 | 110,908,000 |