Call reports 2016
PROVIDENT SAVINGS BANK, F.S.B. — 2016
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,173,635,000 | 1,171,332,000 | 1,242,391,000 | 1,192,036,000 |
| Total loans | 997,792,000 | 1,038,150,000 | 1,127,062,000 | 1,033,203,000 |
| Allowance for loan losses | 8,200,000 | 8,670,000 | 8,725,000 | 8,391,000 |
| Securities available for sale | 12,161,000 | 11,544,000 | 10,778,000 | 10,278,000 |
| Securities held to maturity | 20,214,000 | 39,179,000 | 35,490,000 | 32,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 950,363,000 | 943,245,000 | 968,086,000 | 952,728,000 |
| Interest-bearing deposits | 876,278,000 | 867,902,000 | 887,234,000 | 871,525,000 |
| Noninterest-bearing deposits | 74,085,000 | 75,343,000 | 80,852,000 | 81,203,000 |
| Equity capital | 117,586,000 | 120,563,000 | 113,161,000 | 115,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,940,000 | 20,640,000 | 31,690,000 | 42,807,000 |
| Interest expense | 1,748,000 | 3,434,000 | 5,157,000 | 6,887,000 |
| Net interest income | 8,192,000 | 17,206,000 | 26,533,000 | 35,920,000 |
| Noninterest income | 8,311,000 | 18,944,000 | 28,155,000 | 35,886,000 |
| Noninterest expense | 14,475,000 | 30,042,000 | 45,617,000 | 60,233,000 |
| Provision for loan losses | -694,000 | -1,315,000 | -1,465,000 | -1,815,000 |
| Pretax income | 2,722,000 | 7,320,000 | 10,433,000 | 13,285,000 |
| Income tax | 1,125,000 | 3,064,000 | 4,435,000 | 5,636,000 |
| Net income | 1,597,000 | 4,256,000 | 5,998,000 | 7,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,204,000 | 120,192,000 | 112,827,000 | 114,750,000 |
| Total capital | 125,558,000 | 129,066,000 | 121,725,000 | 123,314,000 |
| Risk-weighted assets | 704,784,000 | 743,641,000 | 781,614,000 | 743,809,000 |