Call reports 2005
PANHANDLE STATE BANK — 2005
What PANHANDLE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 616,163,000 | 677,126,000 | 730,333,000 | 733,197,000 |
| Total loans | 454,843,000 | 510,843,000 | 552,626,000 | 569,257,000 |
| Allowance for loan losses | 7,123,000 | 8,087,000 | 8,704,000 | 8,517,000 |
| Securities available for sale | 96,347,000 | 104,912,000 | 104,618,000 | 83,847,000 |
| Securities held to maturity | 7,306,000 | 7,294,000 | 6,857,000 | 6,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,141,000 | 553,637,000 | 602,658,000 | 604,995,000 |
| Interest-bearing deposits | 402,548,000 | 425,594,000 | 456,058,000 | 465,117,000 |
| Noninterest-bearing deposits | 116,593,000 | 128,043,000 | 146,600,000 | 139,878,000 |
| Equity capital | 57,429,000 | 59,874,000 | 66,296,000 | 79,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,599,000 | 18,555,000 | 29,983,000 | 42,367,000 |
| Interest expense | 1,818,000 | 4,143,000 | 6,827,000 | 9,675,000 |
| Net interest income | 6,781,000 | 14,412,000 | 23,156,000 | 32,692,000 |
| Noninterest income | 1,954,000 | 4,215,000 | 6,571,000 | 8,945,000 |
| Noninterest expense | 5,665,000 | 11,709,000 | 18,293,000 | 26,125,000 |
| Provision for loan losses | 298,000 | 1,292,000 | 2,229,000 | 2,229,000 |
| Pretax income | 2,733,000 | 5,585,000 | 9,162,000 | 13,240,000 |
| Income tax | 854,000 | 1,733,000 | 2,909,000 | 4,308,000 |
| Net income | 1,879,000 | 3,852,000 | 6,253,000 | 8,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,097,000 | 48,117,000 | 54,864,000 | 67,999,000 |
| Total capital | 52,584,000 | 55,374,000 | 62,572,000 | 76,056,000 |
| Risk-weighted assets | 518,360,000 | 579,746,000 | 615,648,000 | 644,095,000 |