Call reports 2015
PRODUCE STATE BANK — 2015
What PRODUCE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,995,000 | 57,499,000 | 59,464,000 | 61,305,000 |
| Total loans | 28,501,000 | 28,703,000 | 28,415,000 | 29,851,000 |
| Allowance for loan losses | 302,000 | 417,000 | 344,000 | 408,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,350,000 | 5,348,000 | 5,466,000 | 5,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,556,000 | 52,023,000 | 53,807,000 | 55,930,000 |
| Interest-bearing deposits | 43,583,000 | 40,722,000 | 42,312,000 | 42,784,000 |
| Noninterest-bearing deposits | 11,973,000 | 11,301,000 | 11,495,000 | 13,146,000 |
| Equity capital | 5,323,000 | 5,378,000 | 5,516,000 | 5,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 917,000 | 1,384,000 | 1,855,000 |
| Interest expense | 38,000 | 75,000 | 111,000 | 152,000 |
| Net interest income | 431,000 | 842,000 | 1,273,000 | 1,703,000 |
| Noninterest income | 49,000 | 103,000 | 141,000 | 198,000 |
| Noninterest expense | 285,000 | 575,000 | 865,000 | 1,221,000 |
| Provision for loan losses | 0 | 120,000 | 160,000 | 220,000 |
| Pretax income | 195,000 | 250,000 | 389,000 | 460,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 250,000 | 389,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,323,000 | 5,378,000 | 5,516,000 | 5,288,000 |
| Total capital | 5,323,000 | 5,776,000 | 5,860,000 | 5,696,000 |
| Risk-weighted assets | 31,163,000 | 31,789,000 | 31,913,000 | 33,879,000 |