Call reports 2008
PANHANDLE FIRST BANK — 2008
What PANHANDLE FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 87,377,000 | 89,992,000 | 92,673,000 | 94,439,000 |
| Total loans | 47,515,000 | 51,742,000 | 50,607,000 | 53,925,000 |
| Allowance for loan losses | 540,000 | 429,000 | 449,000 | 472,000 |
| Securities available for sale | 30,856,000 | 30,229,000 | 28,792,000 | 31,906,000 |
| Securities held to maturity | 1,295,000 | 1,209,000 | 1,108,000 | 1,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,113,000 | 72,549,000 | 76,301,000 | 78,452,000 |
| Interest-bearing deposits | 60,469,000 | 59,030,000 | 62,194,000 | 62,543,000 |
| Noninterest-bearing deposits | 13,644,000 | 13,519,000 | 14,107,000 | 15,909,000 |
| Equity capital | 10,848,000 | 10,392,000 | 10,830,000 | 11,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,495,000 | 3,772,000 | 5,047,000 |
| Interest expense | 443,000 | 827,000 | 1,199,000 | 1,552,000 |
| Net interest income | 846,000 | 1,668,000 | 2,573,000 | 3,495,000 |
| Noninterest income | 242,000 | 502,000 | 794,000 | 1,053,000 |
| Noninterest expense | 771,000 | 1,554,000 | 2,363,000 | 2,952,000 |
| Provision for loan losses | 24,000 | 115,000 | 225,000 | 270,000 |
| Pretax income | 306,000 | 517,000 | 797,000 | 1,344,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 517,000 | 797,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,653,000 | 10,763,000 | 10,943,000 | 11,390,000 |
| Total capital | 11,193,000 | 11,192,000 | 11,392,000 | 11,862,000 |
| Risk-weighted assets | 60,420,000 | 64,020,000 | 62,695,000 | 67,039,000 |
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