Call reports 2015
PANHANDLE FIRST BANK — 2015
What PANHANDLE FIRST 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 | 147,974,000 | 152,145,000 | 145,526,000 | 139,078,000 |
| Total loans | 71,376,000 | 77,736,000 | 82,795,000 | 81,174,000 |
| Allowance for loan losses | 1,142,000 | 1,154,000 | 1,172,000 | 1,188,000 |
| Securities available for sale | 45,032,000 | 47,023,000 | 48,242,000 | 44,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,654,000 | 126,363,000 | 118,457,000 | 113,319,000 |
| Interest-bearing deposits | 90,494,000 | 90,571,000 | 91,291,000 | 87,895,000 |
| Noninterest-bearing deposits | 27,160,000 | 35,792,000 | 27,166,000 | 25,424,000 |
| Equity capital | 18,742,000 | 16,116,000 | 16,683,000 | 16,870,000 |
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 | 1,391,000 | 2,788,000 | 4,245,000 | 5,751,000 |
| Interest expense | 161,000 | 317,000 | 475,000 | 637,000 |
| Net interest income | 1,230,000 | 2,471,000 | 3,770,000 | 5,114,000 |
| Noninterest income | 350,000 | 603,000 | 890,000 | 1,138,000 |
| Noninterest expense | 1,035,000 | 2,027,000 | 2,993,000 | 3,981,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 530,000 | 1,017,000 | 1,622,000 | 2,273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 530,000 | 1,017,000 | 1,622,000 | 2,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,385,000 | 15,359,000 | 15,769,000 | 16,005,000 |
| Total capital | 18,507,000 | 16,513,000 | 16,941,000 | 17,193,000 |
| Risk-weighted assets | 89,749,000 | 93,190,000 | 99,613,000 | 97,274,000 |