Call reports 2012
PROVIDENT STATE BANK, INC. — 2012
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 273,719,000 | 289,936,000 | 291,152,000 | 295,041,000 |
| Total loans | 184,927,000 | 184,162,000 | 183,551,000 | 179,734,000 |
| Allowance for loan losses | 1,752,000 | 1,568,000 | 1,699,000 | 1,686,000 |
| Securities available for sale | 46,227,000 | 73,129,000 | 75,405,000 | 78,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,968,000 | 245,309,000 | 245,296,000 | 249,173,000 |
| Interest-bearing deposits | 178,118,000 | 190,996,000 | 191,352,000 | 192,379,000 |
| Noninterest-bearing deposits | 51,850,000 | 54,313,000 | 53,944,000 | 56,794,000 |
| Equity capital | 22,528,000 | 22,962,000 | 23,628,000 | 23,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,005,000 | 6,053,000 | 9,098,000 | 12,105,000 |
| Interest expense | 695,000 | 1,386,000 | 2,040,000 | 2,624,000 |
| Net interest income | 2,310,000 | 4,667,000 | 7,058,000 | 9,481,000 |
| Noninterest income | 312,000 | 521,000 | 832,000 | 1,125,000 |
| Noninterest expense | 1,931,000 | 3,897,000 | 5,899,000 | 7,905,000 |
| Provision for loan losses | 275,000 | 435,000 | 635,000 | 785,000 |
| Pretax income | 584,000 | 1,033,000 | 1,578,000 | 2,138,000 |
| Income tax | 178,000 | 350,000 | 544,000 | 740,000 |
| Net income | 406,000 | 683,000 | 1,034,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,375,000 | 22,651,000 | 23,002,000 | 23,072,000 |
| Total capital | 24,127,000 | 24,220,000 | 24,701,000 | 24,758,000 |
| Risk-weighted assets | 207,419,000 | 206,417,000 | 205,466,000 | 201,495,000 |