Call reports 2009
PROVIDENT STATE BANK, INC. — 2009
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 243,951,000 | 244,692,000 | 247,265,000 | 251,427,000 |
| Total loans | 181,236,000 | 180,722,000 | 176,625,000 | 175,739,000 |
| Allowance for loan losses | 1,101,000 | 1,032,000 | 755,000 | 1,099,000 |
| Securities available for sale | 33,990,000 | 38,165,000 | 43,940,000 | 45,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,972,000 | 200,082,000 | 203,394,000 | 207,587,000 |
| Interest-bearing deposits | 168,316,000 | 165,568,000 | 169,062,000 | 171,849,000 |
| Noninterest-bearing deposits | 31,656,000 | 34,514,000 | 34,332,000 | 35,738,000 |
| Equity capital | 19,063,000 | 19,210,000 | 19,882,000 | 19,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,308,000 | 6,617,000 | 9,917,000 | 13,151,000 |
| Interest expense | 1,377,000 | 2,651,000 | 3,867,000 | 5,001,000 |
| Net interest income | 1,931,000 | 3,966,000 | 6,050,000 | 8,150,000 |
| Noninterest income | 268,000 | 548,000 | 820,000 | 1,131,000 |
| Noninterest expense | 1,750,000 | 3,575,000 | 5,363,000 | 7,084,000 |
| Provision for loan losses | 15,000 | 75,000 | 190,000 | 590,000 |
| Pretax income | 434,000 | 864,000 | 1,322,000 | 1,912,000 |
| Income tax | 142,000 | 251,000 | 367,000 | 540,000 |
| Net income | 292,000 | 613,000 | 955,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,807,000 | 19,127,000 | 19,471,000 | 19,406,000 |
| Total capital | 19,908,000 | 20,159,000 | 20,226,000 | 20,505,000 |
| Risk-weighted assets | 191,976,000 | 205,915,000 | 189,907,000 | 204,527,000 |