Call reports 2004
PRODUCER BANK OF TEXAS — 2004
What PRODUCER BANK OF TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 18,530,000 | 18,254,000 | 19,523,000 | 19,683,000 |
| Total loans | 10,550,000 | 11,338,000 | 12,173,000 | 12,303,000 |
| Allowance for loan losses | 190,000 | 185,000 | 184,000 | 147,000 |
| Securities available for sale | 5,804,000 | 5,460,000 | 5,325,000 | 5,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,232,000 | 15,982,000 | 17,118,000 | 17,379,000 |
| Interest-bearing deposits | 12,858,000 | 13,297,000 | 13,968,000 | 13,953,000 |
| Noninterest-bearing deposits | 3,374,000 | 2,685,000 | 3,150,000 | 3,426,000 |
| Equity capital | 2,038,000 | 2,051,000 | 2,195,000 | 2,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 587,000 | 893,000 | 1,209,000 |
| Interest expense | 43,000 | 83,000 | 125,000 | 167,000 |
| Net interest income | 248,000 | 504,000 | 768,000 | 1,042,000 |
| Noninterest income | 36,000 | 77,000 | 112,000 | 143,000 |
| Noninterest expense | 177,000 | 332,000 | 474,000 | 683,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 20,000 |
| Pretax income | 107,000 | 249,000 | 398,000 | 482,000 |
| Income tax | 30,000 | 80,000 | 110,000 | 138,000 |
| Net income | 77,000 | 169,000 | 288,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,928,000 | 2,020,000 | 2,139,000 | 2,095,000 |
| Total capital | 2,075,000 | 2,173,000 | 2,302,000 | 2,242,000 |
| Risk-weighted assets | 11,739,000 | 12,366,000 | 13,260,000 | 13,388,000 |