Call reports 2016
PROVIDENCE BANK OF TEXAS, SSB — 2016
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 119,272,000 | 124,839,000 | 126,020,000 | 132,715,000 |
| Total loans | 79,807,000 | 84,707,000 | 87,562,000 | 81,179,000 |
| Allowance for loan losses | 1,055,000 | 1,055,000 | 1,048,000 | 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 | 102,418,000 | 107,890,000 | 108,869,000 | 115,554,000 |
| Interest-bearing deposits | 90,383,000 | 92,638,000 | 95,610,000 | 101,147,000 |
| Noninterest-bearing deposits | 12,035,000 | 15,252,000 | 13,259,000 | 14,407,000 |
| Equity capital | 16,534,000 | 16,617,000 | 16,799,000 | 16,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,491,000 | 3,893,000 | 5,135,000 |
| Interest expense | 228,000 | 453,000 | 685,000 | 918,000 |
| Net interest income | 1,026,000 | 2,038,000 | 3,208,000 | 4,217,000 |
| Noninterest income | 59,000 | 109,000 | 168,000 | 219,000 |
| Noninterest expense | 857,000 | 1,814,000 | 2,789,000 | 3,715,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 228,000 | 333,000 | 587,000 | 721,000 |
| Income tax | 69,000 | 97,000 | 175,000 | 215,000 |
| Net income | 159,000 | 236,000 | 412,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,534,000 | 16,617,000 | 16,799,000 | 16,898,000 |
| Total capital | 17,589,000 | 17,672,000 | 17,847,000 | 17,946,000 |
| Risk-weighted assets | 95,234,000 | 102,240,000 | 102,575,000 | 97,500,000 |