Call reports 2016
PANHANDLE FIRST BANK — 2016
What PANHANDLE FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 142,877,000 | 140,672,000 | 134,186,000 | 140,795,000 |
| Total loans | 81,597,000 | 86,758,000 | 87,346,000 | 96,940,000 |
| Allowance for loan losses | 1,202,000 | 1,214,000 | 1,222,000 | 1,244,000 |
| Securities available for sale | 44,872,000 | 42,911,000 | 41,161,000 | 38,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,000,000 | 115,950,000 | 107,653,000 | 110,497,000 |
| Interest-bearing deposits | 90,757,000 | 90,549,000 | 86,674,000 | 90,137,000 |
| Noninterest-bearing deposits | 25,243,000 | 25,401,000 | 20,979,000 | 20,360,000 |
| Equity capital | 17,452,000 | 18,035,000 | 18,303,000 | 17,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 3,008,000 | 4,479,000 | 5,984,000 |
| Interest expense | 148,000 | 294,000 | 435,000 | 585,000 |
| Net interest income | 1,288,000 | 2,714,000 | 4,044,000 | 5,399,000 |
| Noninterest income | 238,000 | 537,000 | 796,000 | 1,043,000 |
| Noninterest expense | 1,027,000 | 1,981,000 | 2,988,000 | 4,068,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 552,000 | 1,335,000 | 1,902,000 | 2,400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 552,000 | 1,335,000 | 1,902,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,558,000 | 16,980,000 | 17,373,000 | 17,360,000 |
| Total capital | 17,753,000 | 18,194,000 | 18,595,000 | 18,604,000 |
| Risk-weighted assets | 95,600,000 | 100,587,000 | 101,373,000 | 109,014,000 |