Call reports 2012
PROVIDENCE BANK OF TEXAS, SSB — 2012
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 101,255,000 | 102,343,000 | 106,282,000 | 107,154,000 |
| Total loans | 69,611,000 | 68,407,000 | 67,885,000 | 69,033,000 |
| Allowance for loan losses | 1,033,000 | 1,046,000 | 1,047,000 | 1,048,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,900,000 | 88,492,000 | 92,282,000 | 93,140,000 |
| Interest-bearing deposits | 87,586,000 | 85,248,000 | 89,056,000 | 88,986,000 |
| Noninterest-bearing deposits | 3,314,000 | 3,244,000 | 3,226,000 | 4,154,000 |
| Equity capital | 10,244,000 | 13,674,000 | 13,802,000 | 13,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,173,000 | 3,192,000 | 4,243,000 |
| Interest expense | 265,000 | 527,000 | 787,000 | 1,049,000 |
| Net interest income | 841,000 | 1,646,000 | 2,405,000 | 3,194,000 |
| Noninterest income | 13,000 | 29,000 | 46,000 | 48,000 |
| Noninterest expense | 567,000 | 1,135,000 | 1,728,000 | 2,350,000 |
| Provision for loan losses | 28,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 259,000 | 500,000 | 683,000 | 852,000 |
| Income tax | 88,000 | 170,000 | 232,000 | 290,000 |
| Net income | 171,000 | 330,000 | 451,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 13,674,000 | 13,802,000 | 13,962,000 |
| Total capital | 11,137,000 | 14,548,000 | 14,688,000 | 14,807,000 |
| Risk-weighted assets | 71,228,000 | 69,710,000 | 70,735,000 | 66,655,000 |