Call reports 2009
PANHANDLE FIRST BANK — 2009
What PANHANDLE FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,400,000 | 103,673,000 | 103,547,000 | 103,549,000 |
| Total loans | 54,805,000 | 55,139,000 | 56,885,000 | 53,540,000 |
| Allowance for loan losses | 556,000 | 569,000 | 625,000 | 710,000 |
| Securities available for sale | 33,302,000 | 38,934,000 | 39,229,000 | 40,357,000 |
| Securities held to maturity | 1,108,000 | 1,022,000 | 972,000 | 807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,626,000 | 79,629,000 | 76,397,000 | 77,266,000 |
| Interest-bearing deposits | 67,412,000 | 65,276,000 | 63,846,000 | 64,689,000 |
| Noninterest-bearing deposits | 14,214,000 | 14,353,000 | 12,551,000 | 12,577,000 |
| Equity capital | 11,964,000 | 11,902,000 | 12,988,000 | 13,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,668,000 | 4,012,000 | 5,353,000 |
| Interest expense | 336,000 | 686,000 | 1,036,000 | 1,375,000 |
| Net interest income | 973,000 | 1,982,000 | 2,976,000 | 3,978,000 |
| Noninterest income | 227,000 | 464,000 | 734,000 | 1,026,000 |
| Noninterest expense | 829,000 | 1,679,000 | 2,521,000 | 3,207,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 227,000 |
| Pretax income | 335,000 | 687,000 | 1,071,000 | 1,587,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 687,000 | 1,071,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,725,000 | 11,802,000 | 12,024,000 | 12,378,000 |
| Total capital | 12,281,000 | 12,371,000 | 12,649,000 | 13,088,000 |
| Risk-weighted assets | 69,016,000 | 70,034,000 | 70,279,000 | 69,248,000 |
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