Call reports 2003
PANHANDLE STATE BANK — 2003
What PANHANDLE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 360,627,000 | 384,244,000 | 407,961,000 | 409,386,000 |
| Total loans | 246,781,000 | 272,762,000 | 288,851,000 | 295,600,000 |
| Allowance for loan losses | 4,972,000 | 5,424,000 | 5,444,000 | 5,118,000 |
| Securities available for sale | 79,290,000 | 60,969,000 | 82,589,000 | 76,601,000 |
| Securities held to maturity | 2,955,000 | 3,570,000 | 3,206,000 | 3,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,960,000 | 329,756,000 | 354,362,000 | 350,687,000 |
| Interest-bearing deposits | 248,148,000 | 256,464,000 | 269,869,000 | 268,427,000 |
| Noninterest-bearing deposits | 65,812,000 | 73,292,000 | 84,493,000 | 82,261,000 |
| Equity capital | 31,071,000 | 32,246,000 | 33,173,000 | 34,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,825,000 | 10,172,000 | 15,652,000 | 21,350,000 |
| Interest expense | 1,146,000 | 2,340,000 | 3,465,000 | 4,471,000 |
| Net interest income | 3,679,000 | 7,832,000 | 12,187,000 | 16,879,000 |
| Noninterest income | 1,133,000 | 2,626,000 | 4,182,000 | 5,557,000 |
| Noninterest expense | 3,246,000 | 6,823,000 | 10,713,000 | 15,318,000 |
| Provision for loan losses | 74,000 | 644,000 | 822,000 | 955,000 |
| Pretax income | 1,492,000 | 3,014,000 | 4,863,000 | 6,202,000 |
| Income tax | 533,000 | 960,000 | 1,582,000 | 1,906,000 |
| Net income | 959,000 | 2,054,000 | 3,281,000 | 4,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,612,000 | 29,701,000 | 30,947,000 | 31,979,000 |
| Total capital | 31,904,000 | 33,326,000 | 34,830,000 | 35,921,000 |
| Risk-weighted assets | 261,667,000 | 288,211,000 | 309,075,000 | 314,102,000 |