Call reports 2011
PROVIDENCE BANK OF TEXAS, SSB — 2011
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 103,857,000 | 100,743,000 | 98,122,000 | 97,965,000 |
| Total loans | 70,095,000 | 71,704,000 | 69,559,000 | 71,253,000 |
| Allowance for loan losses | 1,178,000 | 1,238,000 | 970,000 | 1,003,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,826,000 | 90,781,000 | 88,078,000 | 87,808,000 |
| Interest-bearing deposits | 89,426,000 | 85,807,000 | 84,406,000 | 84,832,000 |
| Noninterest-bearing deposits | 5,400,000 | 4,974,000 | 3,672,000 | 2,976,000 |
| Equity capital | 8,916,000 | 9,732,000 | 9,906,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,336,000 | 3,467,000 | 4,580,000 |
| Interest expense | 370,000 | 707,000 | 1,007,000 | 1,279,000 |
| Net interest income | 774,000 | 1,629,000 | 2,460,000 | 3,301,000 |
| Noninterest income | 16,000 | 33,000 | 49,000 | 61,000 |
| Noninterest expense | 456,000 | 1,038,000 | 1,633,000 | 2,220,000 |
| Provision for loan losses | 64,000 | 94,000 | 94,000 | 143,000 |
| Pretax income | 270,000 | 530,000 | 782,000 | 999,000 |
| Income tax | 0 | -547,000 | -461,000 | -388,000 |
| Net income | 270,000 | 1,077,000 | 1,243,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,916,000 | 9,450,000 | 9,710,000 | 9,939,000 |
| Total capital | 9,819,000 | 10,362,000 | 10,538,000 | 10,840,000 |
| Risk-weighted assets | 72,449,000 | 71,891,000 | 69,528,000 | 72,008,000 |