Call reports 2021
PROVIDENCE BANK OF TEXAS, SSB — 2021
What PROVIDENCE BANK OF TEXAS, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 197,883,000 | 199,079,000 | 203,183,000 | 199,502,000 |
| Total loans | 122,396,000 | 131,163,000 | 135,606,000 | 134,738,000 |
| Allowance for loan losses | 1,211,000 | 1,251,000 | 1,294,000 | 1,344,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,399,000 | 164,762,000 | 170,051,000 | 166,142,000 |
| Interest-bearing deposits | 122,092,000 | 119,878,000 | 123,766,000 | 118,289,000 |
| Noninterest-bearing deposits | 42,307,000 | 44,884,000 | 46,285,000 | 47,853,000 |
| Equity capital | 21,670,000 | 22,109,000 | 22,488,000 | 22,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,757,000 | 5,597,000 | 7,468,000 |
| Interest expense | 301,000 | 548,000 | 767,000 | 955,000 |
| Net interest income | 1,540,000 | 3,209,000 | 4,830,000 | 6,513,000 |
| Noninterest income | 67,000 | 229,000 | 319,000 | 411,000 |
| Noninterest expense | 1,197,000 | 2,438,000 | 3,634,000 | 4,831,000 |
| Provision for loan losses | 23,000 | 63,000 | 106,000 | 156,000 |
| Pretax income | 387,000 | 937,000 | 1,409,000 | 1,937,000 |
| Income tax | 76,000 | 187,000 | 281,000 | 389,000 |
| Net income | 311,000 | 750,000 | 1,128,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,670,000 | 22,109,000 | 22,488,000 | 22,908,000 |
| Total capital | 22,881,000 | 23,360,000 | 23,782,000 | 24,252,000 |
| Risk-weighted assets | 132,346,000 | 140,462,000 | 144,390,000 | 145,999,000 |