Call reports 2020
PROVIDENCE BANK OF TEXAS, SSB — 2020
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 159,887,000 | 177,235,000 | 182,511,000 | 194,837,000 |
| Total loans | 122,466,000 | 126,027,000 | 130,289,000 | 122,523,000 |
| Allowance for loan losses | 1,056,000 | 1,086,000 | 1,111,000 | 1,191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,940,000 | 138,001,000 | 142,980,000 | 155,217,000 |
| Interest-bearing deposits | 97,885,000 | 104,087,000 | 112,420,000 | 118,220,000 |
| Noninterest-bearing deposits | 28,055,000 | 33,914,000 | 30,560,000 | 36,997,000 |
| Equity capital | 20,658,000 | 20,903,000 | 21,103,000 | 21,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,888,000 | 3,747,000 | 5,486,000 | 7,298,000 |
| Interest expense | 443,000 | 861,000 | 1,259,000 | 1,632,000 |
| Net interest income | 1,445,000 | 2,886,000 | 4,227,000 | 5,666,000 |
| Noninterest income | 72,000 | 133,000 | 197,000 | 292,000 |
| Noninterest expense | 1,198,000 | 2,366,000 | 3,499,000 | 4,639,000 |
| Provision for loan losses | 0 | 30,000 | 55,000 | 135,000 |
| Pretax income | 319,000 | 623,000 | 870,000 | 1,184,000 |
| Income tax | 64,000 | 123,000 | 170,000 | 231,000 |
| Net income | 255,000 | 500,000 | 700,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,658,000 | 20,903,000 | 21,103,000 | 21,356,000 |
| Total capital | 21,714,000 | 21,989,000 | 22,214,000 | 22,547,000 |
| Risk-weighted assets | 127,807,000 | 126,423,000 | 130,402,000 | 131,512,000 |