Call reports 2016
PROVIDENT STATE BANK, INC. — 2016
What PROVIDENT STATE BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 326,717,000 | 352,991,000 | 362,364,000 | 366,980,000 |
| Total loans | 259,708,000 | 278,173,000 | 292,944,000 | 297,566,000 |
| Allowance for loan losses | 2,372,000 | 2,522,000 | 2,732,000 | 2,727,000 |
| Securities available for sale | 43,017,000 | 41,826,000 | 42,832,000 | 41,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,476,000 | 293,253,000 | 297,816,000 | 304,904,000 |
| Interest-bearing deposits | 196,592,000 | 218,362,000 | 214,139,000 | 219,503,000 |
| Noninterest-bearing deposits | 72,884,000 | 74,891,000 | 83,677,000 | 85,401,000 |
| Equity capital | 26,245,000 | 28,604,000 | 31,985,000 | 31,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,175,000 | 6,576,000 | 10,162,000 | 13,940,000 |
| Interest expense | 370,000 | 823,000 | 1,247,000 | 1,675,000 |
| Net interest income | 2,805,000 | 5,753,000 | 8,915,000 | 12,265,000 |
| Noninterest income | 255,000 | 525,000 | 937,000 | 1,643,000 |
| Noninterest expense | 2,266,000 | 4,759,000 | 7,460,000 | 10,432,000 |
| Provision for loan losses | 225,000 | 550,000 | 1,000,000 | 1,435,000 |
| Pretax income | 584,000 | 1,027,000 | 1,478,000 | 2,187,000 |
| Income tax | 180,000 | 306,000 | 436,000 | 655,000 |
| Net income | 404,000 | 721,000 | 1,042,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,364,000 | 28,608,000 | 32,003,000 | 32,393,000 |
| Total capital | 28,736,000 | 31,130,000 | 34,735,000 | 35,120,000 |
| Risk-weighted assets | 256,308,000 | 274,208,000 | 284,003,000 | 290,555,000 |