Call reports 2007
PANHANDLE FIRST BANK — 2007
What PANHANDLE FIRST 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 | 86,268,000 | 86,611,000 | 88,680,000 | 88,476,000 |
| Total loans | 44,241,000 | 45,015,000 | 43,907,000 | 45,580,000 |
| Allowance for loan losses | 612,000 | 617,000 | 614,000 | 494,000 |
| Securities available for sale | 33,539,000 | 33,203,000 | 32,405,000 | 31,487,000 |
| Securities held to maturity | 1,485,000 | 1,399,000 | 1,397,000 | 1,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,125,000 | 73,975,000 | 76,997,000 | 76,247,000 |
| Interest-bearing deposits | 60,134,000 | 59,312,000 | 62,435,000 | 59,885,000 |
| Noninterest-bearing deposits | 11,991,000 | 14,663,000 | 14,562,000 | 16,362,000 |
| Equity capital | 9,427,000 | 9,242,000 | 9,852,000 | 10,380,000 |
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 | 1,364,000 | 2,782,000 | 4,232,000 | 5,598,000 |
| Interest expense | 541,000 | 1,074,000 | 1,641,000 | 2,174,000 |
| Net interest income | 823,000 | 1,708,000 | 2,591,000 | 3,424,000 |
| Noninterest income | 319,000 | 620,000 | 876,000 | 1,104,000 |
| Noninterest expense | 721,000 | 1,466,000 | 2,215,000 | 2,868,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 106,000 |
| Pretax income | 397,000 | 806,000 | 1,172,000 | 1,546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 397,000 | 806,000 | 1,172,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,722,000 | 9,992,000 | 10,217,000 | 10,451,000 |
| Total capital | 10,334,000 | 10,609,000 | 10,831,000 | 10,945,000 |
| Risk-weighted assets | 57,869,000 | 72,421,000 | 58,316,000 | 58,428,000 |
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