Call reports 2005
PRODUCER BANK OF TEXAS — 2005
What PRODUCER BANK OF TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,311,000 | 19,073,000 | 22,331,000 | 22,911,000 |
| Total loans | 12,140,000 | 12,662,000 | 13,207,000 | 13,003,000 |
| Allowance for loan losses | 163,000 | 175,000 | 174,000 | 182,000 |
| Securities available for sale | 4,793,000 | 4,789,000 | 6,071,000 | 8,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,973,000 | 16,062,000 | 19,879,000 | 20,517,000 |
| Interest-bearing deposits | 12,725,000 | 12,662,000 | 15,365,000 | 16,388,000 |
| Noninterest-bearing deposits | 3,248,000 | 3,400,000 | 4,514,000 | 4,129,000 |
| Equity capital | 2,150,000 | 2,255,000 | 2,233,000 | 2,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 307,000 | 619,000 | 933,000 | 1,290,000 |
| Interest expense | 41,000 | 88,000 | 159,000 | 243,000 |
| Net interest income | 266,000 | 531,000 | 774,000 | 1,047,000 |
| Noninterest income | 29,000 | 65,000 | 107,000 | 138,000 |
| Noninterest expense | 164,000 | 321,000 | 525,000 | 700,000 |
| Provision for loan losses | 15,000 | 30,000 | 75,000 | 100,000 |
| Pretax income | 117,000 | 246,000 | 282,000 | 386,000 |
| Income tax | 30,000 | 60,000 | 110,000 | 135,000 |
| Net income | 87,000 | 186,000 | 172,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,182,000 | 2,281,000 | 2,268,000 | 2,226,000 |
| Total capital | 2,345,000 | 2,454,000 | 2,442,000 | 2,408,000 |
| Risk-weighted assets | 13,196,000 | 13,824,000 | 15,047,000 | 14,875,000 |