Call reports 2019
PROVIDENCE BANK OF TEXAS, SSB — 2019
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 149,066,000 | 149,255,000 | 152,542,000 | 151,923,000 |
| Total loans | 116,673,000 | 111,084,000 | 115,909,000 | 113,438,000 |
| Allowance for loan losses | 1,062,000 | 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 | 127,590,000 | 127,425,000 | 130,327,000 | 129,713,000 |
| Interest-bearing deposits | 98,566,000 | 101,650,000 | 102,797,000 | 103,833,000 |
| Noninterest-bearing deposits | 29,024,000 | 25,775,000 | 27,530,000 | 25,880,000 |
| Equity capital | 19,607,000 | 19,902,000 | 20,175,000 | 20,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,859,000 | 3,730,000 | 5,643,000 | 7,461,000 |
| Interest expense | 438,000 | 929,000 | 1,458,000 | 1,896,000 |
| Net interest income | 1,421,000 | 2,801,000 | 4,185,000 | 5,565,000 |
| Noninterest income | 96,000 | 171,000 | 242,000 | 320,000 |
| Noninterest expense | 1,130,000 | 2,218,000 | 3,334,000 | 4,510,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 387,000 | 754,000 | 1,093,000 | 1,375,000 |
| Income tax | 77,000 | 149,000 | 215,000 | 270,000 |
| Net income | 310,000 | 605,000 | 878,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,607,000 | 19,902,000 | 20,175,000 | 20,402,000 |
| Total capital | 20,669,000 | 20,964,000 | 21,237,000 | 21,464,000 |
| Risk-weighted assets | 127,125,000 | 123,165,000 | 122,504,000 | 120,232,000 |