Call reports 2002
PROVIDIAN BANK — 2002
What PROVIDIAN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,990,984,000 | 1,924,370,000 | 1,848,068,000 | 1,748,383,000 |
| Total loans | 1,109,149,000 | 1,062,151,000 | 1,024,003,000 | 995,985,000 |
| Allowance for loan losses | 199,413,000 | 191,928,000 | 194,652,000 | 188,112,000 |
| Securities available for sale | 886,136,000 | 881,363,000 | 839,356,000 | 789,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,819,946,000 | 1,750,814,000 | 1,669,195,000 | 1,552,058,000 |
| Interest-bearing deposits | 1,796,051,000 | 1,740,363,000 | 1,657,490,000 | 1,538,389,000 |
| Noninterest-bearing deposits | 23,895,000 | 10,451,000 | 11,705,000 | 13,669,000 |
| Equity capital | 130,747,000 | 135,766,000 | 141,626,000 | 169,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 87,710,000 | 161,576,000 | 235,902,000 | 303,064,000 |
| Interest expense | 24,956,000 | 48,479,000 | 71,189,000 | 92,231,000 |
| Net interest income | 62,754,000 | 113,097,000 | 164,713,000 | 210,833,000 |
| Noninterest income | 13,650,000 | 26,252,000 | 37,940,000 | 49,547,000 |
| Noninterest expense | 22,863,000 | 42,971,000 | 59,679,000 | 72,143,000 |
| Provision for loan losses | 46,270,000 | 81,745,000 | 124,507,000 | 158,344,000 |
| Pretax income | 7,271,000 | 14,633,000 | 28,066,000 | 39,492,000 |
| Income tax | 2,872,000 | 5,780,000 | 11,086,000 | 15,599,000 |
| Net income | 4,399,000 | 8,853,000 | 16,980,000 | 23,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,295,000 | 126,749,000 | 134,876,000 | 163,789,000 |
| Total capital | 137,295,000 | 141,074,000 | 148,816,000 | 177,189,000 |
| Risk-weighted assets | 1,015,578,000 | 968,409,000 | 934,522,000 | 897,253,000 |