Call reports 2023
PROVIDENT SAVINGS BANK, F.S.B. — 2023
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,335,242,000 | 1,332,910,000 | 1,313,093,000 | 1,301,087,000 |
| Total loans | 1,083,705,000 | 1,083,575,000 | 1,079,849,000 | 1,082,765,000 |
| Allowance for loan losses | 6,000,000 | 5,946,000 | 7,679,000 | 7,000,000 |
| Securities available for sale | 2,251,000 | 2,155,000 | 2,090,000 | 1,996,000 |
| Securities held to maturity | 161,337,000 | 154,337,000 | 147,574,000 | 141,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 993,748,000 | 957,815,000 | 944,934,000 | 922,979,000 |
| Interest-bearing deposits | 880,148,000 | 850,409,000 | 833,253,000 | 824,467,000 |
| Noninterest-bearing deposits | 113,600,000 | 107,406,000 | 111,681,000 | 98,512,000 |
| Equity capital | 123,429,000 | 125,948,000 | 120,181,000 | 122,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 12,069,000 | 25,071,000 | 38,448,000 | 52,165,000 |
| Interest expense | 2,607,000 | 6,289,000 | 10,492,000 | 15,383,000 |
| Net interest income | 9,462,000 | 18,782,000 | 27,956,000 | 36,782,000 |
| Noninterest income | 1,076,000 | 2,281,000 | 3,161,000 | 4,146,000 |
| Noninterest expense | 6,794,000 | 14,274,000 | 20,985,000 | 28,130,000 |
| Provision for loan losses | 169,000 | 113,000 | 649,000 | -30,000 |
| Pretax income | 3,575,000 | 6,676,000 | 9,503,000 | 12,889,000 |
| Income tax | 1,052,000 | 2,145,000 | 2,972,000 | 3,962,000 |
| Net income | 2,523,000 | 4,531,000 | 6,531,000 | 8,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,456,000 | 125,979,000 | 120,207,000 | 122,632,000 |
| Total capital | 129,530,000 | 131,967,000 | 127,937,000 | 129,642,000 |
| Risk-weighted assets | 689,702,000 | 681,061,000 | 671,323,000 | 673,769,000 |