Call reports 2005
PROVIDENT STATE BANK, INC. — 2005
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 174,586,000 | 180,968,000 | 185,451,000 | 183,490,000 |
| Total loans | 135,696,000 | 138,337,000 | 141,001,000 | 138,839,000 |
| Allowance for loan losses | 1,023,000 | 1,032,000 | 1,061,000 | 1,058,000 |
| Securities available for sale | 20,165,000 | 20,186,000 | 19,755,000 | 29,043,000 |
| Securities held to maturity | 263,000 | 261,000 | 9,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,690,000 | 156,381,000 | 165,225,000 | 164,619,000 |
| Interest-bearing deposits | 124,675,000 | 129,519,000 | 135,993,000 | 134,106,000 |
| Noninterest-bearing deposits | 27,015,000 | 26,862,000 | 29,232,000 | 30,513,000 |
| Equity capital | 13,998,000 | 14,461,000 | 14,811,000 | 14,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,908,000 | 7,538,000 | 10,332,000 |
| Interest expense | 793,000 | 1,632,000 | 2,548,000 | 3,519,000 |
| Net interest income | 1,566,000 | 3,276,000 | 4,990,000 | 6,813,000 |
| Noninterest income | 189,000 | 380,000 | 588,000 | 804,000 |
| Noninterest expense | 1,297,000 | 2,577,000 | 3,853,000 | 5,253,000 |
| Provision for loan losses | 12,000 | 27,000 | 52,000 | 82,000 |
| Pretax income | 446,000 | 1,052,000 | 1,673,000 | 2,282,000 |
| Income tax | 132,000 | 326,000 | 514,000 | 688,000 |
| Net income | 314,000 | 726,000 | 1,159,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,815,000 | 14,227,000 | 14,524,000 | 14,535,000 |
| Total capital | 14,838,000 | 15,259,000 | 15,585,000 | 15,593,000 |
| Risk-weighted assets | 135,245,000 | 139,729,000 | 143,153,000 | 143,042,000 |