Call reports 2010
PROVIDENCE BANK — 2010
What PROVIDENCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 122,240,000 | 118,434,000 | 124,003,000 | 126,279,000 |
| Total loans | 91,713,000 | 90,452,000 | 85,996,000 | 82,436,000 |
| Allowance for loan losses | 2,091,000 | 2,091,000 | 1,294,000 | 1,665,000 |
| Securities available for sale | 10,791,000 | 8,196,000 | 7,549,000 | 6,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,486,000 | 97,245,000 | 102,981,000 | 103,613,000 |
| Interest-bearing deposits | 97,385,000 | 94,119,000 | 99,762,000 | 99,522,000 |
| Noninterest-bearing deposits | 3,102,000 | 3,126,000 | 3,219,000 | 4,092,000 |
| Equity capital | 10,932,000 | 10,609,000 | 10,624,000 | 12,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 1,851,000 | 3,031,000 | 4,128,000 |
| Interest expense | 644,000 | 1,140,000 | 1,550,000 | 1,944,000 |
| Net interest income | 407,000 | 711,000 | 1,481,000 | 2,184,000 |
| Noninterest income | 6,000 | -12,000 | -52,000 | 1,967,000 |
| Noninterest expense | 708,000 | 1,403,000 | 2,163,000 | 3,025,000 |
| Provision for loan losses | 532,000 | 531,000 | 531,000 | 921,000 |
| Pretax income | -827,000 | -1,235,000 | -1,265,000 | 205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -827,000 | -1,235,000 | -1,265,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,659,000 | 8,060,000 | 7,789,000 | 10,054,000 |
| Total capital | 8,902,000 | 9,288,000 | 9,051,000 | 11,354,000 |
| Risk-weighted assets | 98,311,000 | 97,058,000 | 100,141,000 | 103,659,000 |
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