Call reports 2013
PROVIDENT SAVINGS BANK, F.S.B. — 2013
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,221,347,000 | 1,210,981,000 | 1,152,908,000 | 1,134,080,000 |
| Total loans | 940,839,000 | 951,382,000 | 944,826,000 | 898,668,000 |
| Allowance for loan losses | 16,826,000 | 14,935,000 | 12,105,000 | 11,041,000 |
| Securities available for sale | 20,578,000 | 19,510,000 | 18,564,000 | 17,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 944,850,000 | 928,557,000 | 929,497,000 | 928,415,000 |
| Interest-bearing deposits | 882,815,000 | 865,624,000 | 867,057,000 | 866,074,000 |
| Noninterest-bearing deposits | 62,035,000 | 62,933,000 | 62,440,000 | 62,341,000 |
| Equity capital | 154,140,000 | 159,622,000 | 151,333,000 | 143,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,717,000 | 20,936,000 | 31,144,000 | 40,870,000 |
| Interest expense | 2,549,000 | 5,052,000 | 7,212,000 | 9,074,000 |
| Net interest income | 8,168,000 | 15,884,000 | 23,932,000 | 31,796,000 |
| Noninterest income | 15,466,000 | 33,127,000 | 41,399,000 | 48,533,000 |
| Noninterest expense | 15,690,000 | 33,206,000 | 47,692,000 | 60,523,000 |
| Provision for loan losses | -517,000 | -2,055,000 | -2,997,000 | -3,895,000 |
| Pretax income | 8,461,000 | 17,860,000 | 20,636,000 | 23,701,000 |
| Income tax | 3,464,000 | 7,502,000 | 8,636,000 | 9,961,000 |
| Net income | 4,997,000 | 10,358,000 | 12,000,000 | 13,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,233,000 | 158,737,000 | 150,538,000 | 142,386,000 |
| Total capital | 162,556,000 | 168,201,000 | 159,711,000 | 151,491,000 |
| Risk-weighted assets | 738,247,000 | 743,030,000 | 723,116,000 | 719,275,000 |