Call reports 2013
PROVIDENT STATE BANK, INC. — 2013
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 299,509,000 | 288,118,000 | 287,199,000 | 303,443,000 |
| Total loans | 181,353,000 | 188,508,000 | 193,606,000 | 194,954,000 |
| Allowance for loan losses | 1,809,000 | 1,801,000 | 1,824,000 | 2,010,000 |
| Securities available for sale | 90,228,000 | 72,929,000 | 68,263,000 | 72,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,125,000 | 244,656,000 | 243,414,000 | 259,145,000 |
| Interest-bearing deposits | 193,729,000 | 184,193,000 | 182,633,000 | 194,253,000 |
| Noninterest-bearing deposits | 61,396,000 | 60,463,000 | 60,781,000 | 64,892,000 |
| Equity capital | 23,704,000 | 22,603,000 | 22,459,000 | 22,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,952,000 | 5,880,000 | 8,833,000 | 11,789,000 |
| Interest expense | 532,000 | 1,018,000 | 1,465,000 | 1,885,000 |
| Net interest income | 2,420,000 | 4,862,000 | 7,368,000 | 9,904,000 |
| Noninterest income | 262,000 | 598,000 | 938,000 | 1,206,000 |
| Noninterest expense | 1,990,000 | 3,976,000 | 6,082,000 | 8,181,000 |
| Provision for loan losses | 150,000 | 450,000 | 600,000 | 900,000 |
| Pretax income | 542,000 | 1,084,000 | 1,730,000 | 2,271,000 |
| Income tax | 187,000 | 367,000 | 589,000 | 748,000 |
| Net income | 355,000 | 717,000 | 1,141,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,427,000 | 23,675,000 | 23,998,000 | 24,030,000 |
| Total capital | 25,236,000 | 25,476,000 | 25,822,000 | 26,040,000 |
| Risk-weighted assets | 203,161,000 | 208,948,000 | 209,127,000 | 211,903,000 |