Call reports 2012
PROVIDENCE BANK — 2012
What PROVIDENCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 114,924,000 | 111,814,000 | 109,612,000 | 109,857,000 |
| Total loans | 63,765,000 | 66,275,000 | 61,888,000 | 61,604,000 |
| Allowance for loan losses | 1,340,000 | 1,327,000 | 1,031,000 | 1,016,000 |
| Securities available for sale | 5,635,000 | 5,285,000 | 6,045,000 | 5,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,428,000 | 93,555,000 | 91,881,000 | 92,188,000 |
| Interest-bearing deposits | 91,541,000 | 89,146,000 | 86,733,000 | 86,230,000 |
| Noninterest-bearing deposits | 4,887,000 | 4,409,000 | 5,148,000 | 5,958,000 |
| Equity capital | 11,070,000 | 10,851,000 | 10,367,000 | 10,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,575,000 | 2,337,000 | 3,073,000 |
| Interest expense | 271,000 | 520,000 | 751,000 | 950,000 |
| Net interest income | 562,000 | 1,055,000 | 1,586,000 | 2,123,000 |
| Noninterest income | 85,000 | 111,000 | 118,000 | 158,000 |
| Noninterest expense | 748,000 | 1,455,000 | 2,389,000 | 3,449,000 |
| Provision for loan losses | 0 | 76,000 | 176,000 | 217,000 |
| Pretax income | -101,000 | -365,000 | -861,000 | -1,385,000 |
| Income tax | -31,000 | -31,000 | -31,000 | -496,000 |
| Net income | -70,000 | -334,000 | -830,000 | -889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,889,000 | 7,633,000 | 7,105,000 | 6,536,000 |
| Total capital | 9,000,000 | 8,773,000 | 8,135,000 | 7,552,000 |
| Risk-weighted assets | 88,642,000 | 90,747,000 | 89,574,000 | 89,785,000 |