Call reports 2004
PROVIDENT STATE BANK, INC. — 2004
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 156,056,000 | 156,019,000 | 165,803,000 | 175,511,000 |
| Total loans | 117,300,000 | 126,067,000 | 133,355,000 | 131,615,000 |
| Allowance for loan losses | 979,000 | 992,000 | 999,000 | 1,011,000 |
| Securities available for sale | 20,356,000 | 17,658,000 | 18,284,000 | 16,588,000 |
| Securities held to maturity | 272,000 | 268,000 | 267,000 | 1,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,862,000 | 139,571,000 | 143,191,000 | 152,152,000 |
| Interest-bearing deposits | 116,677,000 | 115,393,000 | 116,506,000 | 121,861,000 |
| Noninterest-bearing deposits | 23,185,000 | 24,178,000 | 26,686,000 | 30,291,000 |
| Equity capital | 13,164,000 | 13,187,000 | 13,779,000 | 13,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,125,000 | 6,377,000 | 8,737,000 |
| Interest expense | 752,000 | 1,443,000 | 2,155,000 | 2,929,000 |
| Net interest income | 1,269,000 | 2,682,000 | 4,222,000 | 5,808,000 |
| Noninterest income | 170,000 | 357,000 | 551,000 | 751,000 |
| Noninterest expense | 1,019,000 | 2,130,000 | 3,289,000 | 4,613,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 408,000 | 885,000 | 1,448,000 | 1,898,000 |
| Income tax | 111,000 | 246,000 | 417,000 | 533,000 |
| Net income | 297,000 | 639,000 | 1,031,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,733,000 | 13,075,000 | 13,467,000 | 13,501,000 |
| Total capital | 13,712,000 | 14,067,000 | 14,466,000 | 14,512,000 |
| Risk-weighted assets | 116,656,000 | 123,765,000 | 130,398,000 | 132,105,000 |