Call reports 2006
PROVIDENT STATE BANK, INC. — 2006
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 182,634,000 | 189,721,000 | 196,138,000 | 201,068,000 |
| Total loans | 141,913,000 | 149,879,000 | 154,823,000 | 157,844,000 |
| Allowance for loan losses | 1,090,000 | 1,117,000 | 1,144,000 | 1,172,000 |
| Securities available for sale | 25,839,000 | 24,191,000 | 26,298,000 | 25,977,000 |
| Securities held to maturity | 7,000 | 7,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,123,000 | 167,338,000 | 171,503,000 | 175,882,000 |
| Interest-bearing deposits | 133,428,000 | 136,694,000 | 140,340,000 | 146,702,000 |
| Noninterest-bearing deposits | 28,694,000 | 30,644,000 | 31,163,000 | 29,181,000 |
| Equity capital | 15,101,000 | 15,415,000 | 16,024,000 | 16,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,762,000 | 5,638,000 | 8,718,000 | 11,999,000 |
| Interest expense | 940,000 | 2,026,000 | 3,256,000 | 4,669,000 |
| Net interest income | 1,822,000 | 3,612,000 | 5,462,000 | 7,330,000 |
| Noninterest income | 207,000 | 409,000 | 617,000 | 825,000 |
| Noninterest expense | 1,365,000 | 2,687,000 | 4,043,000 | 5,448,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 635,000 | 1,272,000 | 1,944,000 | 2,585,000 |
| Income tax | 197,000 | 397,000 | 612,000 | 795,000 |
| Net income | 438,000 | 875,000 | 1,332,000 | 1,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,973,000 | 15,410,000 | 15,867,000 | 15,825,000 |
| Total capital | 16,063,000 | 16,527,000 | 17,011,000 | 16,997,000 |
| Risk-weighted assets | 145,553,000 | 152,869,000 | 160,083,000 | 161,806,000 |