Call reports 2008
PROVIDENT STATE BANK, INC. — 2008
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 232,585,000 | 240,394,000 | 245,252,000 | 239,465,000 |
| Total loans | 170,387,000 | 178,440,000 | 178,481,000 | 183,975,000 |
| Allowance for loan losses | 1,173,000 | 1,179,000 | 1,154,000 | 1,140,000 |
| Securities available for sale | 37,778,000 | 36,665,000 | 34,550,000 | 34,147,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,189,000 | 197,183,000 | 202,133,000 | 196,964,000 |
| Interest-bearing deposits | 159,550,000 | 163,706,000 | 170,480,000 | 166,392,000 |
| Noninterest-bearing deposits | 29,639,000 | 33,477,000 | 31,653,000 | 30,572,000 |
| Equity capital | 17,777,000 | 17,597,000 | 17,671,000 | 18,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,566,000 | 7,090,000 | 10,696,000 | 14,059,000 |
| Interest expense | 1,602,000 | 3,179,000 | 4,751,000 | 6,218,000 |
| Net interest income | 1,964,000 | 3,911,000 | 5,945,000 | 7,841,000 |
| Noninterest income | 288,000 | 587,000 | 883,000 | 1,161,000 |
| Noninterest expense | 1,560,000 | 3,219,000 | 4,766,000 | 6,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 692,000 | 1,279,000 | 2,062,000 | 2,643,000 |
| Income tax | 210,000 | 379,000 | 630,000 | 802,000 |
| Net income | 482,000 | 900,000 | 1,432,000 | 1,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,509,000 | 17,927,000 | 18,429,000 | 18,515,000 |
| Total capital | 18,682,000 | 19,106,000 | 19,583,000 | 19,655,000 |
| Risk-weighted assets | 178,219,000 | 189,363,000 | 192,488,000 | 194,728,000 |