Call reports 2015
PROVIDENT SAVINGS BANK, F.S.B. — 2015
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,213,866,000 | 1,174,544,000 | 1,177,226,000 | 1,164,383,000 |
| Total loans | 1,135,402,000 | 1,047,673,000 | 978,363,000 | 998,654,000 |
| Allowance for loan losses | 8,712,000 | 8,724,000 | 9,034,000 | 8,768,000 |
| Securities available for sale | 14,986,000 | 14,161,000 | 13,461,000 | 12,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 10,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,497,000 | 943,124,000 | 955,519,000 | 945,545,000 |
| Interest-bearing deposits | 874,083,000 | 870,571,000 | 881,806,000 | 876,307,000 |
| Noninterest-bearing deposits | 68,414,000 | 72,553,000 | 73,713,000 | 69,238,000 |
| Equity capital | 122,825,000 | 126,348,000 | 114,166,000 | 115,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,122,000 | 20,871,000 | 30,937,000 | 40,568,000 |
| Interest expense | 1,575,000 | 3,332,000 | 5,132,000 | 6,923,000 |
| Net interest income | 8,547,000 | 17,539,000 | 25,805,000 | 33,645,000 |
| Noninterest income | 11,238,000 | 21,758,000 | 32,119,000 | 39,629,000 |
| Noninterest expense | 15,133,000 | 30,237,000 | 44,510,000 | 58,331,000 |
| Provision for loan losses | -111,000 | -215,000 | -253,000 | -615,000 |
| Pretax income | 4,763,000 | 9,275,000 | 13,667,000 | 15,558,000 |
| Income tax | 2,065,000 | 3,977,000 | 5,810,000 | 6,603,000 |
| Net income | 2,698,000 | 5,298,000 | 7,857,000 | 8,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,352,000 | 125,946,000 | 113,741,000 | 115,112,000 |
| Total capital | 131,874,000 | 135,096,000 | 122,465,000 | 124,015,000 |
| Risk-weighted assets | 773,994,000 | 731,600,000 | 696,767,000 | 711,458,000 |