Call reports 2007
PROVIDENT STATE BANK, INC. — 2007
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 210,725,000 | 213,476,000 | 226,168,000 | 224,483,000 |
| Total loans | 156,815,000 | 167,982,000 | 168,999,000 | 169,013,000 |
| Allowance for loan losses | 1,202,000 | 1,209,000 | 1,179,000 | 1,181,000 |
| Securities available for sale | 32,117,000 | 28,594,000 | 37,717,000 | 37,974,000 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,004,000 | 186,819,000 | 186,856,000 | 183,680,000 |
| Interest-bearing deposits | 155,530,000 | 154,531,000 | 157,189,000 | 152,417,000 |
| Noninterest-bearing deposits | 29,474,000 | 32,288,000 | 29,667,000 | 31,263,000 |
| Equity capital | 16,288,000 | 16,392,000 | 16,948,000 | 17,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,268,000 | 6,730,000 | 10,320,000 | 14,024,000 |
| Interest expense | 1,539,000 | 3,139,000 | 4,763,000 | 6,422,000 |
| Net interest income | 1,729,000 | 3,591,000 | 5,557,000 | 7,602,000 |
| Noninterest income | 224,000 | 459,000 | 729,000 | 1,027,000 |
| Noninterest expense | 1,478,000 | 3,069,000 | 4,595,000 | 6,127,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 445,000 | 921,000 | 1,631,000 | 2,442,000 |
| Income tax | 124,000 | 252,000 | 462,000 | 715,000 |
| Net income | 321,000 | 669,000 | 1,169,000 | 1,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,147,000 | 16,494,000 | 16,994,000 | 17,027,000 |
| Total capital | 17,349,000 | 17,703,000 | 18,173,000 | 18,208,000 |
| Risk-weighted assets | 164,796,000 | 173,805,000 | 178,379,000 | 173,921,000 |