Call reports 2009
PROVIDENCE BANK OF TEXAS, SSB — 2009
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 79,100,000 | 90,808,000 | 95,167,000 | 94,317,000 |
| Total loans | 63,355,000 | 68,988,000 | 69,124,000 | 72,422,000 |
| Allowance for loan losses | 634,000 | 690,000 | 692,000 | 859,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,551,000 | 82,212,000 | 86,536,000 | 86,030,000 |
| Interest-bearing deposits | 68,509,000 | 78,284,000 | 80,535,000 | 82,280,000 |
| Noninterest-bearing deposits | 2,042,000 | 3,928,000 | 6,001,000 | 3,750,000 |
| Equity capital | 8,203,000 | 8,160,000 | 8,262,000 | 8,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 2,141,000 | 3,350,000 | 4,573,000 |
| Interest expense | 557,000 | 1,174,000 | 1,790,000 | 2,370,000 |
| Net interest income | 435,000 | 967,000 | 1,560,000 | 2,203,000 |
| Noninterest income | 15,000 | 40,000 | 76,000 | 106,000 |
| Noninterest expense | 485,000 | 1,045,000 | 1,586,000 | 2,114,000 |
| Provision for loan losses | 86,000 | 142,000 | 144,000 | 343,000 |
| Pretax income | -121,000 | -180,000 | -94,000 | -148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -121,000 | -180,000 | -94,000 | -148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,203,000 | 8,160,000 | 8,262,000 | 8,224,000 |
| Total capital | 8,837,000 | 8,850,000 | 8,955,000 | 9,083,000 |
| Risk-weighted assets | 70,812,000 | 71,495,000 | 72,328,000 | 72,553,000 |