Call reports 2015
PROVIDENCE BANK OF TEXAS, SSB — 2015
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,802,000 | 111,509,000 | 115,678,000 | 121,989,000 |
| Total loans | 78,584,000 | 82,321,000 | 84,686,000 | 83,061,000 |
| Allowance for loan losses | 1,055,000 | 1,055,000 | 1,055,000 | 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 | 94,105,000 | 95,531,000 | 99,167,000 | 105,321,000 |
| Interest-bearing deposits | 85,138,000 | 87,084,000 | 89,652,000 | 92,532,000 |
| Noninterest-bearing deposits | 8,967,000 | 8,447,000 | 9,515,000 | 12,789,000 |
| Equity capital | 15,558,000 | 15,765,000 | 16,228,000 | 16,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,296,000 | 3,910,000 | 5,171,000 |
| Interest expense | 197,000 | 405,000 | 627,000 | 865,000 |
| Net interest income | 941,000 | 1,891,000 | 3,283,000 | 4,306,000 |
| Noninterest income | 43,000 | 95,000 | 150,000 | 199,000 |
| Noninterest expense | 689,000 | 1,405,000 | 2,175,000 | 3,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 295,000 | 581,000 | 1,258,000 | 1,496,000 |
| Income tax | 91,000 | 181,000 | 404,000 | 481,000 |
| Net income | 204,000 | 400,000 | 854,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,558,000 | 15,765,000 | 16,228,000 | 16,370,000 |
| Total capital | 16,613,000 | 16,820,000 | 17,283,000 | 17,425,000 |
| Risk-weighted assets | 87,368,000 | 90,950,000 | 93,652,000 | 96,884,000 |