Call reports 2011
PROVIDENT STATE BANK, INC. — 2011
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 258,748,000 | 258,898,000 | 259,737,000 | 256,444,000 |
| Total loans | 180,874,000 | 184,940,000 | 184,829,000 | 185,552,000 |
| Allowance for loan losses | 1,687,000 | 1,658,000 | 1,781,000 | 1,840,000 |
| Securities available for sale | 49,120,000 | 46,953,000 | 47,139,000 | 47,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,663,000 | 216,705,000 | 217,500,000 | 213,789,000 |
| Interest-bearing deposits | 164,606,000 | 160,395,000 | 173,270,000 | 169,587,000 |
| Noninterest-bearing deposits | 53,057,000 | 56,310,000 | 44,230,000 | 44,202,000 |
| Equity capital | 20,615,000 | 21,582,000 | 22,424,000 | 22,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,109,000 | 6,225,000 | 9,356,000 | 12,458,000 |
| Interest expense | 865,000 | 1,680,000 | 2,462,000 | 3,186,000 |
| Net interest income | 2,244,000 | 4,545,000 | 6,894,000 | 9,272,000 |
| Noninterest income | 330,000 | 698,000 | 1,029,000 | 1,382,000 |
| Noninterest expense | 1,859,000 | 3,748,000 | 5,673,000 | 7,567,000 |
| Provision for loan losses | 150,000 | 300,000 | 425,000 | 500,000 |
| Pretax income | 551,000 | 1,236,000 | 1,972,000 | 2,659,000 |
| Income tax | 145,000 | 331,000 | 564,000 | 903,000 |
| Net income | 406,000 | 905,000 | 1,408,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,276,000 | 21,655,000 | 22,158,000 | 22,094,000 |
| Total capital | 22,963,000 | 23,313,000 | 23,939,000 | 23,934,000 |
| Risk-weighted assets | 202,738,000 | 205,271,000 | 204,778,000 | 203,607,000 |