Call reports 2004
PRODUCE STATE BANK — 2004
What PRODUCE STATE BANK 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 | 28,658,000 | 28,105,000 | 27,755,000 | 27,882,000 |
| Total loans | 17,820,000 | 19,911,000 | 20,469,000 | 20,692,000 |
| Allowance for loan losses | 222,000 | 222,000 | 222,000 | 222,000 |
| Securities available for sale | 2,293,000 | 2,194,000 | 2,204,000 | 1,445,000 |
| Securities held to maturity | 106,000 | 106,000 | 106,000 | 268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,262,000 | 24,513,000 | 23,971,000 | 24,238,000 |
| Interest-bearing deposits | 21,908,000 | 21,245,000 | 20,962,000 | 20,381,000 |
| Noninterest-bearing deposits | 3,354,000 | 3,268,000 | 3,009,000 | 3,857,000 |
| Equity capital | 3,346,000 | 3,509,000 | 3,623,000 | 3,617,000 |
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 | 365,000 | 748,000 | 1,143,000 | 1,623,000 |
| Interest expense | 77,000 | 152,000 | 230,000 | 307,000 |
| Net interest income | 288,000 | 596,000 | 913,000 | 1,316,000 |
| Noninterest income | 61,000 | 160,000 | 210,000 | 265,000 |
| Noninterest expense | 215,000 | 429,000 | 682,000 | 1,071,000 |
| Provision for loan losses | 71,000 | 65,000 | 75,000 | 134,000 |
| Pretax income | 63,000 | 262,000 | 366,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 63,000 | 262,000 | 366,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,296,000 | 3,495,000 | 3,599,000 | 3,609,000 |
| Total capital | 3,518,000 | 3,717,000 | 3,821,000 | 3,831,000 |
| Risk-weighted assets | 19,682,000 | 20,654,000 | 21,117,000 | 21,340,000 |