Call reports 2006
PANHANDLE STATE BANK — 2006
What PANHANDLE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 742,108,000 | 781,489,000 | 877,392,000 | 911,802,000 |
| Total loans | 579,758,000 | 627,564,000 | 663,916,000 | 683,537,000 |
| Allowance for loan losses | 8,395,000 | 9,124,000 | 9,965,000 | 10,319,000 |
| Securities available for sale | 79,583,000 | 76,158,000 | 106,323,000 | 118,491,000 |
| Securities held to maturity | 7,368,000 | 7,350,000 | 6,837,000 | 6,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,530,000 | 646,204,000 | 695,046,000 | 700,542,000 |
| Interest-bearing deposits | 484,632,000 | 493,736,000 | 540,937,000 | 552,099,000 |
| Noninterest-bearing deposits | 132,898,000 | 152,468,000 | 154,110,000 | 148,442,000 |
| Equity capital | 81,786,000 | 85,310,000 | 89,786,000 | 92,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,746,000 | 28,137,000 | 42,966,000 | 60,159,000 |
| Interest expense | 3,047,000 | 6,408,000 | 10,994,000 | 16,184,000 |
| Net interest income | 9,699,000 | 21,729,000 | 31,972,000 | 43,975,000 |
| Noninterest income | 2,322,000 | 5,550,000 | 8,365,000 | 11,223,000 |
| Noninterest expense | 7,620,000 | 17,726,000 | 25,409,000 | 35,430,000 |
| Provision for loan losses | -96,000 | 666,000 | 1,576,000 | 2,148,000 |
| Pretax income | 4,497,000 | 7,904,000 | 12,369,000 | 16,633,000 |
| Income tax | 1,561,000 | 2,678,000 | 4,101,000 | 5,575,000 |
| Net income | 2,936,000 | 5,226,000 | 8,268,000 | 11,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,978,000 | 74,200,000 | 77,277,000 | 80,108,000 |
| Total capital | 79,225,000 | 83,109,000 | 86,892,000 | 89,898,000 |
| Risk-weighted assets | 659,634,000 | 712,468,000 | 768,876,000 | 782,641,000 |