Call reports 2002
PANHANDLE STATE BANK — 2002
What PANHANDLE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 236,225,000 | 246,060,000 | 270,486,000 | 286,895,000 |
| Total loans | 158,429,000 | 178,115,000 | 188,653,000 | 203,012,000 |
| Allowance for loan losses | 2,567,000 | 2,870,000 | 3,069,000 | 3,244,000 |
| Securities available for sale | 49,943,000 | 43,295,000 | 47,945,000 | 51,692,000 |
| Securities held to maturity | 3,916,000 | 3,510,000 | 2,629,000 | 2,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,856,000 | 211,310,000 | 234,189,000 | 246,287,000 |
| Interest-bearing deposits | 153,220,000 | 162,245,000 | 177,265,000 | 186,155,000 |
| Noninterest-bearing deposits | 48,636,000 | 49,065,000 | 56,924,000 | 60,132,000 |
| Equity capital | 19,964,000 | 20,879,000 | 21,446,000 | 23,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,047,000 | 8,115,000 | 12,387,000 | 16,610,000 |
| Interest expense | 1,032,000 | 1,975,000 | 2,987,000 | 3,918,000 |
| Net interest income | 3,015,000 | 6,140,000 | 9,400,000 | 12,692,000 |
| Noninterest income | 716,000 | 1,574,000 | 2,444,000 | 3,455,000 |
| Noninterest expense | 2,545,000 | 5,331,000 | 7,945,000 | 11,050,000 |
| Provision for loan losses | 99,000 | 728,000 | 1,249,000 | 1,607,000 |
| Pretax income | 1,163,000 | 1,966,000 | 3,076,000 | 3,916,000 |
| Income tax | 431,000 | 760,000 | 1,289,000 | 1,314,000 |
| Net income | 732,000 | 1,206,000 | 1,787,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,604,000 | 20,202,000 | 20,660,000 | 22,475,000 |
| Total capital | 21,864,000 | 22,638,000 | 23,318,000 | 25,307,000 |
| Risk-weighted assets | 180,494,000 | 194,461,000 | 212,200,000 | 226,158,000 |