Call reports 2008
PANHANDLE STATE BANK — 2008
What PANHANDLE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 995,379,000 | 1,023,401,000 | 1,028,326,000 | 1,081,753,000 |
| Total loans | 763,375,000 | 796,288,000 | 781,130,000 | 769,966,000 |
| Allowance for loan losses | 11,942,000 | 12,893,000 | 13,033,000 | 16,433,000 |
| Securities available for sale | 143,519,000 | 131,318,000 | 132,011,000 | 147,619,000 |
| Securities held to maturity | 11,293,000 | 11,274,000 | 16,110,000 | 17,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,500,000 | 744,724,000 | 774,987,000 | 796,976,000 |
| Interest-bearing deposits | 575,568,000 | 593,054,000 | 622,551,000 | 636,147,000 |
| Noninterest-bearing deposits | 153,932,000 | 151,670,000 | 152,436,000 | 160,829,000 |
| Equity capital | 108,215,000 | 107,373,000 | 106,514,000 | 125,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 17,507,000 | 33,734,000 | 50,211,000 | 65,329,000 |
| Interest expense | 5,547,000 | 9,819,000 | 14,312,000 | 19,033,000 |
| Net interest income | 11,960,000 | 23,915,000 | 35,899,000 | 46,296,000 |
| Noninterest income | 2,473,000 | 5,131,000 | 7,755,000 | 10,220,000 |
| Noninterest expense | 11,122,000 | 21,631,000 | 33,017,000 | 45,024,000 |
| Provision for loan losses | 258,000 | 2,398,000 | 4,872,000 | 10,384,000 |
| Pretax income | 3,053,000 | 7,199,000 | 7,947,000 | 3,290,000 |
| Income tax | 933,000 | 2,296,000 | 2,298,000 | -81,000 |
| Net income | 2,120,000 | 4,903,000 | 5,649,000 | 3,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,797,000 | 96,490,000 | 97,274,000 | 117,990,000 |
| Total capital | 104,767,000 | 107,769,000 | 108,603,000 | 129,426,000 |
| Risk-weighted assets | 876,635,000 | 900,668,000 | 904,588,000 | 909,867,000 |