Call reports 2006
PRODUCER BANK OF TEXAS — 2006
What PRODUCER BANK OF TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 23,453,000 | 23,243,000 | 23,592,000 | 24,666,000 |
| Total loans | 13,054,000 | 13,947,000 | 13,978,000 | 13,584,000 |
| Allowance for loan losses | 193,000 | 195,000 | 189,000 | 173,000 |
| Securities available for sale | 8,461,000 | 7,427,000 | 7,475,000 | 7,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,819,000 | 20,046,000 | 20,893,000 | 22,027,000 |
| Interest-bearing deposits | 17,098,000 | 16,678,000 | 17,313,000 | 17,321,000 |
| Noninterest-bearing deposits | 3,720,000 | 3,368,000 | 3,580,000 | 4,706,000 |
| Equity capital | 2,222,000 | 2,280,000 | 2,410,000 | 2,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 725,000 | 1,117,000 | 1,518,000 |
| Interest expense | 95,000 | 206,000 | 332,000 | 465,000 |
| Net interest income | 254,000 | 519,000 | 785,000 | 1,053,000 |
| Noninterest income | 29,000 | 72,000 | 107,000 | 139,000 |
| Noninterest expense | 167,000 | 343,000 | 526,000 | 744,000 |
| Provision for loan losses | 15,000 | 18,000 | 28,000 | 38,000 |
| Pretax income | 101,000 | 211,000 | 319,000 | 391,000 |
| Income tax | 31,000 | 62,000 | 76,000 | 79,000 |
| Net income | 70,000 | 149,000 | 243,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,296,000 | 2,375,000 | 2,470,000 | 2,399,000 |
| Total capital | 2,481,000 | 2,566,000 | 2,659,000 | 2,572,000 |
| Risk-weighted assets | 14,795,000 | 15,310,000 | 15,204,000 | 15,125,000 |