Call reports 2018
PROVIDENCE BANK OF TEXAS, SSB — 2018
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 154,394,000 | 154,960,000 | 148,052,000 | 149,928,000 |
| Total loans | 117,909,000 | 113,388,000 | 109,913,000 | 114,338,000 |
| Allowance for loan losses | 1,063,000 | 1,062,000 | 1,062,000 | 1,062,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,120,000 | 136,199,000 | 128,630,000 | 129,365,000 |
| Interest-bearing deposits | 103,604,000 | 93,606,000 | 96,540,000 | 97,999,000 |
| Noninterest-bearing deposits | 32,516,000 | 42,593,000 | 32,090,000 | 31,366,000 |
| Equity capital | 18,045,000 | 18,396,000 | 18,909,000 | 19,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,373,000 | 5,328,000 | 7,117,000 |
| Interest expense | 275,000 | 595,000 | 927,000 | 1,312,000 |
| Net interest income | 1,378,000 | 2,778,000 | 4,401,000 | 5,805,000 |
| Noninterest income | 76,000 | 134,000 | 196,000 | 285,000 |
| Noninterest expense | 1,050,000 | 2,077,000 | 3,125,000 | 4,146,000 |
| Provision for loan losses | 14,000 | 14,000 | 14,000 | 14,000 |
| Pretax income | 390,000 | 821,000 | 1,458,000 | 1,930,000 |
| Income tax | 77,000 | 163,000 | 292,000 | 386,000 |
| Net income | 313,000 | 658,000 | 1,166,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,045,000 | 18,396,000 | 18,909,000 | 19,292,000 |
| Total capital | 19,108,000 | 19,458,000 | 19,971,000 | 20,354,000 |
| Risk-weighted assets | 127,888,000 | 124,122,000 | 123,539,000 | 124,803,000 |