Call reports 2004
PANHANDLE STATE BANK — 2004
What PANHANDLE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 432,338,000 | 462,853,000 | 484,647,000 | 596,901,000 |
| Total loans | 300,756,000 | 326,252,000 | 344,488,000 | 431,597,000 |
| Allowance for loan losses | 5,282,000 | 5,948,000 | 5,613,000 | 6,902,000 |
| Securities available for sale | 92,397,000 | 87,665,000 | 89,522,000 | 102,728,000 |
| Securities held to maturity | 3,293,000 | 3,264,000 | 3,609,000 | 5,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,114,000 | 408,463,000 | 425,344,000 | 510,608,000 |
| Interest-bearing deposits | 281,575,000 | 306,524,000 | 319,038,000 | 391,406,000 |
| Noninterest-bearing deposits | 94,539,000 | 101,939,000 | 106,306,000 | 119,202,000 |
| Equity capital | 35,561,000 | 35,398,000 | 37,566,000 | 56,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,644,000 | 11,700,000 | 18,148,000 | 25,816,000 |
| Interest expense | 1,047,000 | 2,168,000 | 3,402,000 | 4,895,000 |
| Net interest income | 4,597,000 | 9,532,000 | 14,746,000 | 20,921,000 |
| Noninterest income | 1,302,000 | 3,034,000 | 4,788,000 | 6,691,000 |
| Noninterest expense | 3,843,000 | 8,052,000 | 12,626,000 | 18,549,000 |
| Provision for loan losses | 136,000 | 829,000 | 997,000 | 1,438,000 |
| Pretax income | 1,899,000 | 3,672,000 | 5,944,000 | 7,674,000 |
| Income tax | 627,000 | 1,101,000 | 1,821,000 | 2,172,000 |
| Net income | 1,272,000 | 2,571,000 | 4,123,000 | 5,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,268,000 | 34,585,000 | 36,155,000 | 44,169,000 |
| Total capital | 37,346,000 | 39,109,000 | 41,023,000 | 50,243,000 |
| Risk-weighted assets | 325,009,000 | 360,506,000 | 388,687,000 | 485,056,000 |