Call reports 2007
PRODUCE STATE BANK — 2007
What PRODUCE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,492,000 | 29,408,000 | 29,489,000 | 29,844,000 |
| Total loans | 22,937,000 | 23,932,000 | 25,140,000 | 24,681,000 |
| Allowance for loan losses | 240,000 | 258,000 | 276,000 | 294,000 |
| Securities available for sale | 1,004,000 | 1,000,000 | 1,002,000 | 1,006,000 |
| Securities held to maturity | 232,000 | 232,000 | 232,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,138,000 | 24,843,000 | 24,694,000 | 25,077,000 |
| Interest-bearing deposits | 22,265,000 | 21,716,000 | 21,158,000 | 21,700,000 |
| Noninterest-bearing deposits | 3,873,000 | 3,127,000 | 3,536,000 | 3,377,000 |
| Equity capital | 4,108,000 | 4,255,000 | 4,409,000 | 4,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,096,000 | 1,651,000 | 2,248,000 |
| Interest expense | 195,000 | 383,000 | 574,000 | 765,000 |
| Net interest income | 355,000 | 713,000 | 1,077,000 | 1,483,000 |
| Noninterest income | 47,000 | 95,000 | 146,000 | 217,000 |
| Noninterest expense | 237,000 | 476,000 | 705,000 | 891,000 |
| Provision for loan losses | 52,000 | 72,000 | 104,000 | 226,000 |
| Pretax income | 113,000 | 260,000 | 414,000 | 583,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 113,000 | 260,000 | 414,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,113,000 | 4,264,000 | 4,416,000 | 4,578,000 |
| Total capital | 4,353,000 | 4,522,000 | 4,692,000 | 4,872,000 |
| Risk-weighted assets | 23,872,000 | 24,335,000 | 25,461,000 | 25,027,000 |