Vitals
  • Total Assets
    819.6M -15.8 %
  • Total Deposits
    757.1M -16.0 %
  • Total Net Loans
  • Net Income
    3.0M -34.9 %
  • Book Value
    61.1M -0.4 %
  • Book Value x2
    122.1M -0.4 %
  • Book Value x3
    183.2M -0.4 %
ROAA

.652

ROAE

6.414

Efficiency Ratio

34.795

Net Interest Margin

1.093

Balance Sheet Highlights
Financial Highlights Provident Municipal Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 819,611 1,547,160
Total Net Loans — 877,258
Total Deposits 757,066 1,251,031
Total Equity 61,064 169,118
Profitability
Net Income 2,951 8,622
Return on Average Assets .652 .717
Return on Average Equity 6.414 6.841
Net Interest Margin 1.093 3.196
Efficiency Ratio 34.795 68.787
Noninterest Income/Revenue 23.92
Balance Sheet Ratios
Loan-to-Deposit — 64.673
Securities/Assets .22 .174
Total Equity/Total Assets .075 .109
Tangible Equity/Tangible Assets .075 .103
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 60,730 155,118
Tier 2 Capital — 9,028
Total Capital 60,730 164,921
Total Risk Weighted Assets 275,709 952,162
Leverage Ratio 12.13 10.83
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 22.03 18.983
Total Capital Ratio 22.03 20.043

Timeline for Provident Municipal Bank

Sterling National Bank

Provident Municipal Bank was acquired by Sterling National Bank 10 years

View Profile Nov 01 2013

The Warwick Commercial Bank

Acquisition: Provident Municipal Bank acquired a new subsidiary, The Warwick Commercial Bank, 19 years

View Profile Oct 02 2004

Provident Municipal Bank

Provident Municipal Bank was established 22 years ago and is currently headquartered in Montebello, NY.

Apr 19 2002

Sterling National Bank

Sterling National Bank became a new parent organization for Provident Municipal Bank.

View Profile Apr 19 2002
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Sterling National Bank Buyer 13,581,585 Discontinued 11/1/2013
The Warwick Commercial Bank Seller 11,127 Acquisition Discontinued 10/2/2004
Relationships Role Relationship Start Relationship End
Sterling National Bank Parent 12/1/2012 10/31/2013
Sterling National Bank Parent 7/21/2011 11/30/2012
Sterling National Bank Parent 4/19/2002 7/20/2011
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