Call reports 2009
PANHANDLE STATE BANK — 2009
What PANHANDLE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,066,819,000 | 1,071,378,000 | 1,057,123,000 | 1,079,549,000 |
| Total loans | 744,144,000 | 739,017,000 | 720,701,000 | 678,727,000 |
| Allowance for loan losses | 17,439,000 | 24,300,000 | 17,613,000 | 16,608,000 |
| Securities available for sale | 195,980,000 | 184,168,000 | 180,808,000 | 181,783,000 |
| Securities held to maturity | 17,575,000 | 17,395,000 | 15,189,000 | 15,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,414,000 | 831,247,000 | 844,600,000 | 823,563,000 |
| Interest-bearing deposits | 660,093,000 | 672,100,000 | 685,394,000 | 651,078,000 |
| Noninterest-bearing deposits | 156,321,000 | 159,147,000 | 159,206,000 | 172,485,000 |
| Equity capital | 124,923,000 | 103,822,000 | 111,839,000 | 106,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,598,000 | 29,352,000 | 43,192,000 | 54,838,000 |
| Interest expense | 3,920,000 | 7,624,000 | 11,085,000 | 14,156,000 |
| Net interest income | 10,678,000 | 21,728,000 | 32,107,000 | 40,682,000 |
| Noninterest income | 1,961,000 | 4,353,000 | 6,660,000 | 8,964,000 |
| Noninterest expense | 10,692,000 | 23,265,000 | 35,712,000 | 48,661,000 |
| Provision for loan losses | 2,770,000 | 21,453,000 | 25,210,000 | 36,329,000 |
| Pretax income | 472,000 | -17,342,000 | -20,360,000 | -33,549,000 |
| Income tax | -9,000 | -7,441,000 | -9,143,000 | -14,359,000 |
| Net income | 481,000 | -9,901,000 | -11,217,000 | -19,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,504,000 | 95,589,000 | 97,839,000 | 91,984,000 |
| Total capital | 129,754,000 | 106,421,000 | 108,523,000 | 102,095,000 |
| Risk-weighted assets | 893,822,000 | 856,531,000 | 847,174,000 | 802,363,000 |