Call reports 2012
PROVIDENT SAVINGS BANK, F.S.B. — 2012
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,286,944,000 | 1,260,828,000 | 1,271,390,000 | 1,248,257,000 |
| Total loans | 1,032,209,000 | 1,049,958,000 | 1,104,280,000 | 1,085,022,000 |
| Allowance for loan losses | 24,260,000 | 21,483,000 | 20,118,000 | 18,530,000 |
| Securities available for sale | 23,541,000 | 22,898,000 | 22,148,000 | 21,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 985,091,000 | 968,500,000 | 966,061,000 | 943,734,000 |
| Interest-bearing deposits | 922,813,000 | 906,858,000 | 905,903,000 | 885,817,000 |
| Noninterest-bearing deposits | 62,278,000 | 61,642,000 | 60,158,000 | 57,917,000 |
| Equity capital | 139,045,000 | 142,758,000 | 146,717,000 | 153,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 12,656,000 | 25,271,000 | 37,448,000 | 49,329,000 |
| Interest expense | 3,480,000 | 6,551,000 | 9,463,000 | 12,311,000 |
| Net interest income | 9,176,000 | 18,720,000 | 27,985,000 | 37,018,000 |
| Noninterest income | 11,175,000 | 27,132,000 | 49,035,000 | 68,885,000 |
| Noninterest expense | 14,460,000 | 30,382,000 | 47,615,000 | 64,242,000 |
| Provision for loan losses | 1,622,000 | 3,673,000 | 4,206,000 | 4,229,000 |
| Pretax income | 4,269,000 | 11,797,000 | 25,199,000 | 37,432,000 |
| Income tax | 1,824,000 | 4,965,000 | 9,541,000 | 14,707,000 |
| Net income | 2,445,000 | 6,832,000 | 15,658,000 | 22,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,125,000 | 141,831,000 | 145,737,000 | 152,957,000 |
| Total capital | 148,035,000 | 152,087,000 | 156,293,000 | 163,236,000 |
| Risk-weighted assets | 806,101,000 | 809,255,000 | 834,921,000 | 814,059,000 |