Call reports 2014
PROVIDENT STATE BANK, INC. — 2014
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 296,630,000 | 301,328,000 | 298,214,000 | 296,246,000 |
| Total loans | 195,736,000 | 199,549,000 | 201,975,000 | 207,248,000 |
| Allowance for loan losses | 1,603,000 | 1,538,000 | 1,456,000 | 1,555,000 |
| Securities available for sale | 71,017,000 | 62,514,000 | 57,545,000 | 63,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,507,000 | 254,049,000 | 251,807,000 | 250,169,000 |
| Interest-bearing deposits | 192,461,000 | 190,742,000 | 182,499,000 | 179,409,000 |
| Noninterest-bearing deposits | 59,046,000 | 63,307,000 | 69,308,000 | 70,760,000 |
| Equity capital | 23,101,000 | 23,737,000 | 24,152,000 | 24,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,930,000 | 5,792,000 | 8,669,000 | 11,598,000 |
| Interest expense | 388,000 | 761,000 | 1,132,000 | 1,495,000 |
| Net interest income | 2,542,000 | 5,031,000 | 7,537,000 | 10,103,000 |
| Noninterest income | 193,000 | 473,000 | 706,000 | 949,000 |
| Noninterest expense | 1,982,000 | 4,057,000 | 5,993,000 | 7,930,000 |
| Provision for loan losses | 100,000 | 200,000 | 450,000 | 560,000 |
| Pretax income | 653,000 | 1,409,000 | 2,077,000 | 2,839,000 |
| Income tax | 212,000 | 470,000 | 686,000 | 968,000 |
| Net income | 441,000 | 939,000 | 1,391,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,470,000 | 24,869,000 | 25,321,000 | 25,352,000 |
| Total capital | 26,073,000 | 26,407,000 | 26,777,000 | 26,907,000 |
| Risk-weighted assets | 205,574,000 | 211,307,000 | 213,465,000 | 217,225,000 |