Call reports 2001
PROVIDIAN BANK — 2001
What PROVIDIAN BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 2,319,153,000 | 2,198,112,000 | 2,141,755,000 | 2,092,655,000 |
| Total loans | 966,546,000 | 1,083,705,000 | 1,087,800,000 | 1,126,328,000 |
| Allowance for loan losses | 86,089,000 | 105,421,000 | 140,122,000 | 196,244,000 |
| Securities available for sale | 1,354,900,000 | 1,009,609,000 | 901,345,000 | 559,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,924,583,000 | 1,953,554,000 | 1,908,372,000 | 1,910,763,000 |
| Interest-bearing deposits | 1,915,178,000 | 1,942,368,000 | 1,892,952,000 | 1,898,189,000 |
| Noninterest-bearing deposits | 9,405,000 | 11,186,000 | 15,421,000 | 12,574,000 |
| Equity capital | 180,146,000 | 177,709,000 | 166,407,000 | 127,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 79,169,000 | 162,827,000 | 236,611,000 | 301,481,000 |
| Interest expense | 31,211,000 | 59,756,000 | 89,954,000 | 117,634,000 |
| Net interest income | 47,958,000 | 103,071,000 | 146,657,000 | 183,847,000 |
| Noninterest income | 16,648,000 | 35,955,000 | 51,062,000 | 60,704,000 |
| Noninterest expense | 17,558,000 | 40,433,000 | 58,918,000 | 86,791,000 |
| Provision for loan losses | 37,062,000 | 78,610,000 | 142,866,000 | 240,409,000 |
| Pretax income | 16,871,000 | 35,013,000 | 14,414,000 | -64,368,000 |
| Income tax | 6,664,000 | 13,830,000 | 5,694,000 | -25,426,000 |
| Net income | 11,363,000 | 22,339,000 | 9,876,000 | -37,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,046,000 | 168,022,000 | 155,560,000 | 117,896,000 |
| Total capital | 180,698,000 | 184,883,000 | 173,149,000 | 134,201,000 |
| Risk-weighted assets | 1,181,704,000 | 1,260,305,000 | 1,284,585,000 | 1,124,500,000 |