Call reports 2014
PROVIDENCE BANK OF TEXAS, SSB — 2014
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 105,999,000 | 107,650,000 | 106,172,000 | 108,588,000 |
| Total loans | 72,681,000 | 70,177,000 | 71,705,000 | 77,445,000 |
| Allowance for loan losses | 1,054,000 | 1,054,000 | 1,054,000 | 1,055,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,204,000 | 92,652,000 | 90,940,000 | 93,179,000 |
| Interest-bearing deposits | 85,518,000 | 86,588,000 | 83,967,000 | 85,200,000 |
| Noninterest-bearing deposits | 5,686,000 | 6,064,000 | 6,973,000 | 7,979,000 |
| Equity capital | 14,698,000 | 14,867,000 | 15,062,000 | 15,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,079,000 | 3,142,000 | 4,281,000 |
| Interest expense | 192,000 | 393,000 | 590,000 | 790,000 |
| Net interest income | 847,000 | 1,686,000 | 2,552,000 | 3,491,000 |
| Noninterest income | 38,000 | 78,000 | 125,000 | 172,000 |
| Noninterest expense | 662,000 | 1,312,000 | 1,959,000 | 2,601,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 220,000 | 449,000 | 715,000 | 1,059,000 |
| Income tax | 66,000 | 136,000 | 217,000 | 325,000 |
| Net income | 154,000 | 313,000 | 498,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,698,000 | 14,867,000 | 15,062,000 | 15,311,000 |
| Total capital | 15,642,000 | 15,818,000 | 16,037,000 | 16,356,000 |
| Risk-weighted assets | 75,378,000 | 75,940,000 | 77,866,000 | 83,525,000 |