Call reports 2007
PANHANDLE STATE BANK — 2007
What PANHANDLE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 921,256,000 | 961,103,000 | 1,024,532,000 | 1,027,823,000 |
| Total loans | 700,271,000 | 756,597,000 | 777,095,000 | 772,439,000 |
| Allowance for loan losses | 10,568,000 | 10,802,000 | 11,412,000 | 11,761,000 |
| Securities available for sale | 100,131,000 | 115,057,000 | 148,081,000 | 158,791,000 |
| Securities held to maturity | 6,667,000 | 6,949,000 | 11,553,000 | 11,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 721,766,000 | 740,945,000 | 782,356,000 | 760,911,000 |
| Interest-bearing deposits | 590,981,000 | 570,990,000 | 609,349,000 | 598,775,000 |
| Noninterest-bearing deposits | 130,784,000 | 169,955,000 | 173,008,000 | 162,136,000 |
| Equity capital | 95,502,000 | 97,741,000 | 100,827,000 | 105,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,253,000 | 35,504,000 | 54,893,000 | 73,922,000 |
| Interest expense | 5,782,000 | 11,775,000 | 18,278,000 | 24,750,000 |
| Net interest income | 11,471,000 | 23,729,000 | 36,615,000 | 49,172,000 |
| Noninterest income | 2,842,000 | 5,739,000 | 8,979,000 | 12,091,000 |
| Noninterest expense | 9,551,000 | 19,372,000 | 29,999,000 | 40,407,000 |
| Provision for loan losses | 834,000 | 2,007,000 | 3,228,000 | 3,896,000 |
| Pretax income | 3,928,000 | 8,089,000 | 12,405,000 | 16,998,000 |
| Income tax | 1,285,000 | 2,639,000 | 4,229,000 | 5,453,000 |
| Net income | 2,643,000 | 5,450,000 | 8,176,000 | 11,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,791,000 | 85,638,000 | 88,404,000 | 91,811,000 |
| Total capital | 92,832,000 | 96,347,000 | 99,622,000 | 102,898,000 |
| Risk-weighted assets | 802,732,000 | 856,629,000 | 897,232,000 | 886,274,000 |