Call reports 2013
PROVIDENCE BANK OF TEXAS, SSB — 2013
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 106,504,000 | 109,799,000 | 112,136,000 | 107,925,000 |
| Total loans | 68,462,000 | 68,331,000 | 71,368,000 | 71,320,000 |
| Allowance for loan losses | 1,050,000 | 1,050,000 | 1,050,000 | 1,051,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,332,000 | 95,437,000 | 97,588,000 | 93,333,000 |
| Interest-bearing deposits | 89,101,000 | 91,187,000 | 91,302,000 | 86,892,000 |
| Noninterest-bearing deposits | 3,231,000 | 4,250,000 | 6,286,000 | 6,441,000 |
| Equity capital | 14,087,000 | 14,218,000 | 14,366,000 | 14,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,078,000 | 3,114,000 | 4,144,000 |
| Interest expense | 250,000 | 496,000 | 721,000 | 926,000 |
| Net interest income | 788,000 | 1,582,000 | 2,393,000 | 3,218,000 |
| Noninterest income | 17,000 | 35,000 | 54,000 | 94,000 |
| Noninterest expense | 625,000 | 1,248,000 | 1,866,000 | 2,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 180,000 | 369,000 | 581,000 | 814,000 |
| Income tax | 61,000 | 125,000 | 197,000 | 268,000 |
| Net income | 119,000 | 244,000 | 384,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,087,000 | 14,218,000 | 14,366,000 | 14,535,000 |
| Total capital | 14,937,000 | 15,062,000 | 15,268,000 | 15,451,000 |
| Risk-weighted assets | 67,031,000 | 66,536,000 | 71,253,000 | 73,090,000 |