Call reports 2005
PRODUCE STATE BANK — 2005
What PRODUCE STATE BANK 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 | 27,248,000 | 27,271,000 | 27,939,000 | 29,186,000 |
| Total loans | 20,555,000 | 21,332,000 | 22,510,000 | 22,258,000 |
| Allowance for loan losses | 222,000 | 222,000 | 222,000 | 222,000 |
| Securities available for sale | 1,437,000 | 1,437,000 | 1,238,000 | 1,237,000 |
| Securities held to maturity | 242,000 | 242,000 | 242,000 | 242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,671,000 | 23,501,000 | 23,125,000 | 24,919,000 |
| Interest-bearing deposits | 20,504,000 | 20,245,000 | 20,222,000 | 21,206,000 |
| Noninterest-bearing deposits | 3,167,000 | 3,256,000 | 2,903,000 | 3,713,000 |
| Equity capital | 3,487,000 | 3,602,000 | 3,885,000 | 4,138,000 |
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 | 399,000 | 824,000 | 1,258,000 | 1,753,000 |
| Interest expense | 79,000 | 164,000 | 269,000 | 390,000 |
| Net interest income | 320,000 | 660,000 | 989,000 | 1,363,000 |
| Noninterest income | 43,000 | 90,000 | 248,000 | 303,000 |
| Noninterest expense | 228,000 | 457,000 | 664,000 | 842,000 |
| Provision for loan losses | 8,000 | 52,000 | 51,000 | 47,000 |
| Pretax income | 127,000 | 241,000 | 522,000 | 777,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 241,000 | 522,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,487,000 | 3,599,000 | 3,880,000 | 4,135,000 |
| Total capital | 3,709,000 | 3,821,000 | 4,102,000 | 4,357,000 |
| Risk-weighted assets | 20,901,000 | 21,581,000 | 22,495,000 | 22,571,000 |