Call reports 2010
PROVIDENCE BANK OF TEXAS, SSB — 2010
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,858,000 | 96,845,000 | 98,193,000 | 100,246,000 |
| Total loans | 75,641,000 | 74,517,000 | 74,041,000 | 70,565,000 |
| Allowance for loan losses | 894,000 | 909,000 | 1,090,000 | 1,113,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,361,000 | 88,149,000 | 89,403,000 | 91,443,000 |
| Interest-bearing deposits | 86,348,000 | 84,276,000 | 86,188,000 | 87,713,000 |
| Noninterest-bearing deposits | 3,013,000 | 3,873,000 | 3,215,000 | 3,730,000 |
| Equity capital | 8,380,000 | 8,564,000 | 8,599,000 | 8,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,457,000 | 3,642,000 | 4,847,000 |
| Interest expense | 528,000 | 1,043,000 | 1,499,000 | 1,913,000 |
| Net interest income | 700,000 | 1,414,000 | 2,143,000 | 2,934,000 |
| Noninterest income | 27,000 | 48,000 | 67,000 | 85,000 |
| Noninterest expense | 554,000 | 1,103,000 | 1,627,000 | 2,188,000 |
| Provision for loan losses | 34,000 | 51,000 | 249,000 | 369,000 |
| Pretax income | 139,000 | 308,000 | 334,000 | 462,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 308,000 | 334,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,380,000 | 8,564,000 | 8,599,000 | 8,736,000 |
| Total capital | 9,274,000 | 9,473,000 | 9,526,000 | 9,637,000 |
| Risk-weighted assets | 75,480,000 | 74,394,000 | 74,026,000 | 72,231,000 |