Call reports 2008
PRODUCER BANK OF TEXAS — 2008
What PRODUCER BANK OF TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 23,694,000 | 24,619,000 | 25,927,000 | 26,015,000 |
| Total loans | 13,830,000 | 14,048,000 | 13,796,000 | 13,744,000 |
| Allowance for loan losses | 168,000 | 175,000 | 174,000 | 179,000 |
| Securities available for sale | 7,267,000 | 8,197,000 | 7,330,000 | 9,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,633,000 | 21,535,000 | 22,762,000 | 22,888,000 |
| Interest-bearing deposits | 17,145,000 | 17,865,000 | 18,829,000 | 18,544,000 |
| Noninterest-bearing deposits | 3,487,000 | 3,670,000 | 3,933,000 | 4,344,000 |
| Equity capital | 2,652,000 | 2,684,000 | 2,731,000 | 2,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 829,000 | 1,211,000 | 1,606,000 |
| Interest expense | 152,000 | 298,000 | 432,000 | 553,000 |
| Net interest income | 266,000 | 531,000 | 779,000 | 1,053,000 |
| Noninterest income | 26,000 | 69,000 | 101,000 | 156,000 |
| Noninterest expense | 209,000 | 409,000 | 604,000 | 841,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 75,000 | 176,000 | 253,000 | 338,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 148,000 |
| Net income | 45,000 | 116,000 | 163,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,570,000 | 2,642,000 | 2,689,000 | 2,585,000 |
| Total capital | 2,738,000 | 2,817,000 | 2,863,000 | 2,764,000 |
| Risk-weighted assets | 14,666,000 | 15,200,000 | 15,370,000 | 15,303,000 |