Call reports 2010
PROVIDENT STATE BANK, INC. — 2010
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 252,037,000 | 255,737,000 | 264,170,000 | 258,001,000 |
| Total loans | 176,828,000 | 184,119,000 | 186,273,000 | 183,303,000 |
| Allowance for loan losses | 1,345,000 | 1,399,000 | 1,468,000 | 1,559,000 |
| Securities available for sale | 44,724,000 | 42,810,000 | 49,023,000 | 48,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,466,000 | 212,374,000 | 220,101,000 | 216,639,000 |
| Interest-bearing deposits | 174,589,000 | 176,300,000 | 181,122,000 | 179,402,000 |
| Noninterest-bearing deposits | 34,877,000 | 36,074,000 | 38,979,000 | 37,237,000 |
| Equity capital | 19,775,000 | 20,277,000 | 20,846,000 | 20,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,141,000 | 6,388,000 | 9,668,000 | 12,963,000 |
| Interest expense | 1,068,000 | 2,116,000 | 3,140,000 | 4,083,000 |
| Net interest income | 2,073,000 | 4,272,000 | 6,528,000 | 8,880,000 |
| Noninterest income | 293,000 | 603,000 | 901,000 | 1,188,000 |
| Noninterest expense | 1,707,000 | 3,473,000 | 5,311,000 | 7,326,000 |
| Provision for loan losses | 250,000 | 400,000 | 550,000 | 710,000 |
| Pretax income | 545,000 | 1,150,000 | 2,002,000 | 2,481,000 |
| Income tax | 160,000 | 350,000 | 638,000 | 728,000 |
| Net income | 385,000 | 800,000 | 1,364,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,792,000 | 20,207,000 | 20,771,000 | 20,870,000 |
| Total capital | 21,137,000 | 21,606,000 | 22,239,000 | 22,429,000 |
| Risk-weighted assets | 205,358,000 | 212,342,000 | 209,718,000 | 205,092,000 |