Call reports 2006
PRODUCE STATE BANK — 2006
What PRODUCE STATE BANK 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 | 28,389,000 | 28,634,000 | 29,291,000 | 31,164,000 |
| Total loans | 23,652,000 | 24,332,000 | 24,645,000 | 24,338,000 |
| Allowance for loan losses | 222,000 | 222,000 | 222,000 | 222,000 |
| Securities available for sale | 1,223,000 | 1,330,000 | 1,006,000 | 1,006,000 |
| Securities held to maturity | 202,000 | 232,000 | 232,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,364,000 | 23,025,000 | 24,800,000 | 26,533,000 |
| Interest-bearing deposits | 21,279,000 | 20,274,000 | 21,970,000 | 22,738,000 |
| Noninterest-bearing deposits | 3,085,000 | 2,751,000 | 2,830,000 | 3,795,000 |
| Equity capital | 3,837,000 | 3,972,000 | 4,133,000 | 4,440,000 |
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 | 477,000 | 992,000 | 1,524,000 | 2,111,000 |
| Interest expense | 139,000 | 300,000 | 488,000 | 678,000 |
| Net interest income | 338,000 | 692,000 | 1,036,000 | 1,433,000 |
| Noninterest income | 51,000 | 125,000 | 174,000 | 225,000 |
| Noninterest expense | 234,000 | 466,000 | 702,000 | 841,000 |
| Provision for loan losses | 47,000 | 111,000 | 110,000 | 108,000 |
| Pretax income | 108,000 | 240,000 | 398,000 | 709,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 108,000 | 240,000 | 398,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,842,000 | 3,975,000 | 4,136,000 | 4,445,000 |
| Total capital | 4,064,000 | 4,197,000 | 4,358,000 | 4,667,000 |
| Risk-weighted assets | 23,479,000 | 24,477,000 | 24,973,000 | 25,131,000 |