Call reports 2015
PROVIDENT STATE BANK, INC. — 2015
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 292,353,000 | 292,841,000 | 310,591,000 | 316,309,000 |
| Total loans | 208,409,000 | 217,419,000 | 218,587,000 | 244,003,000 |
| Allowance for loan losses | 1,677,000 | 1,657,000 | 1,779,000 | 2,186,000 |
| Securities available for sale | 57,588,000 | 50,092,000 | 49,008,000 | 47,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,089,000 | 247,380,000 | 263,755,000 | 268,712,000 |
| Interest-bearing deposits | 180,254,000 | 176,693,000 | 186,517,000 | 191,264,000 |
| Noninterest-bearing deposits | 67,835,000 | 70,687,000 | 77,238,000 | 77,448,000 |
| Equity capital | 25,183,000 | 25,055,000 | 25,841,000 | 25,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,862,000 | 5,666,000 | 8,545,000 | 11,441,000 |
| Interest expense | 346,000 | 681,000 | 1,018,000 | 1,363,000 |
| Net interest income | 2,516,000 | 4,985,000 | 7,527,000 | 10,078,000 |
| Noninterest income | 271,000 | 611,000 | 961,000 | 1,050,000 |
| Noninterest expense | 2,004,000 | 4,022,000 | 6,189,000 | 8,701,000 |
| Provision for loan losses | 175,000 | 250,000 | 475,000 | 1,070,000 |
| Pretax income | 595,000 | 1,327,000 | 1,830,000 | 1,384,000 |
| Income tax | 180,000 | 418,000 | 543,000 | 325,000 |
| Net income | 415,000 | 909,000 | 1,287,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,767,000 | 26,110,000 | 26,488,000 | 25,961,000 |
| Total capital | 27,444,000 | 27,767,000 | 28,267,000 | 28,147,000 |
| Risk-weighted assets | 217,411,000 | 222,146,000 | 226,307,000 | 243,300,000 |