Call reports 2025
PROVIDENT SAVINGS BANK, F.S.B. — 2025
What PROVIDENT SAVINGS BANK, F.S.B. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,260,127,000 | 1,245,577,000 | 1,230,789,000 | 1,227,875,000 |
| Total loans | 1,065,557,000 | 1,052,169,000 | 1,047,556,000 | 1,043,289,000 |
| Allowance for loan losses | 6,577,000 | 6,424,000 | 5,780,000 | 5,634,000 |
| Securities available for sale | 1,681,000 | 1,606,000 | 1,544,000 | 1,404,000 |
| Securities held to maturity | 113,617,000 | 109,399,000 | 103,877,000 | 98,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 910,164,000 | 895,176,000 | 889,737,000 | 884,267,000 |
| Interest-bearing deposits | 817,652,000 | 808,454,000 | 807,101,000 | 805,340,000 |
| Noninterest-bearing deposits | 92,512,000 | 86,722,000 | 82,636,000 | 78,927,000 |
| Equity capital | 123,287,000 | 125,226,000 | 116,750,000 | 118,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,513,000 | 28,712,000 | 42,999,000 | 57,115,000 |
| Interest expense | 5,218,000 | 10,435,000 | 15,651,000 | 20,678,000 |
| Net interest income | 9,295,000 | 18,277,000 | 27,348,000 | 36,437,000 |
| Noninterest income | 888,000 | 1,793,000 | 2,631,000 | 3,500,000 |
| Noninterest expense | 7,712,000 | 15,194,000 | 22,656,000 | 30,421,000 |
| Provision for loan losses | -379,000 | -532,000 | -1,176,000 | -1,322,000 |
| Pretax income | 2,933,000 | 5,511,000 | 8,556,000 | 10,926,000 |
| Income tax | 879,000 | 1,640,000 | 2,785,000 | 3,493,000 |
| Net income | 2,054,000 | 3,871,000 | 5,771,000 | 7,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,261,000 | 125,198,000 | 116,723,000 | 118,513,000 |
| Total capital | 129,881,000 | 131,654,000 | 122,553,000 | 124,185,000 |
| Risk-weighted assets | 648,404,000 | 642,059,000 | 641,808,000 | 634,766,000 |