Call reports 2025
PRODUCE STATE BANK — 2025
What PRODUCE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 111,091,000 | 106,791,000 | 108,033,000 | 113,586,000 |
| Total loans | 52,826,000 | 53,454,000 | 54,520,000 | 57,767,000 |
| Allowance for loan losses | 599,000 | 598,000 | 598,000 | 598,000 |
| Securities available for sale | 28,621,000 | 32,214,000 | 32,427,000 | 31,888,000 |
| Securities held to maturity | 16,897,000 | 13,868,000 | 11,870,000 | 10,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,700,000 | 94,363,000 | 95,554,000 | 101,054,000 |
| Interest-bearing deposits | 68,390,000 | 66,932,000 | 65,495,000 | 67,904,000 |
| Noninterest-bearing deposits | 30,310,000 | 27,431,000 | 30,059,000 | 33,150,000 |
| Equity capital | 11,988,000 | 11,978,000 | 11,959,000 | 12,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,695,000 | 4,074,000 | 5,463,000 |
| Interest expense | 190,000 | 384,000 | 583,000 | 786,000 |
| Net interest income | 1,167,000 | 2,311,000 | 3,491,000 | 4,677,000 |
| Noninterest income | 69,000 | 145,000 | 200,000 | 253,000 |
| Noninterest expense | 788,000 | 1,595,000 | 2,463,000 | 3,282,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 447,000 | 860,000 | 1,226,000 | 1,646,000 |
| Income tax | 11,000 | 57,000 | 103,000 | 148,000 |
| Net income | 436,000 | 803,000 | 1,123,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,923,000 | 10,900,000 | 10,929,000 | 11,114,000 |
| Total capital | 11,522,000 | 11,498,000 | 11,527,000 | 11,712,000 |
| Risk-weighted assets | 50,431,000 | 50,771,000 | 52,392,000 | 55,528,000 |