Call reports 2010
PANHANDLE STATE BANK — 2010
What PANHANDLE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,073,356,000 | 1,065,020,000 | 991,208,000 | 1,004,400,000 |
| Total loans | 646,753,000 | 640,695,000 | 610,135,000 | 579,145,000 |
| Allowance for loan losses | 18,297,000 | 13,743,000 | 14,334,000 | 12,455,000 |
| Securities available for sale | 187,431,000 | 178,945,000 | 176,065,000 | 183,081,000 |
| Securities held to maturity | 15,153,000 | 23,050,000 | 22,234,000 | 22,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 827,991,000 | 809,366,000 | 791,563,000 | 780,723,000 |
| Interest-bearing deposits | 665,833,000 | 644,643,000 | 624,907,000 | 610,314,000 |
| Noninterest-bearing deposits | 162,158,000 | 164,723,000 | 166,656,000 | 170,409,000 |
| Equity capital | 103,263,000 | 102,976,000 | 80,384,000 | 79,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,550,000 | 23,372,000 | 35,174,000 | 46,479,000 |
| Interest expense | 2,770,000 | 5,195,000 | 7,415,000 | 9,093,000 |
| Net interest income | 8,780,000 | 18,177,000 | 27,759,000 | 37,386,000 |
| Noninterest income | 2,320,000 | 5,123,000 | 8,090,000 | 10,709,000 |
| Noninterest expense | 11,440,000 | 22,610,000 | 44,673,000 | 54,753,000 |
| Provision for loan losses | 6,808,000 | 11,723,000 | 21,781,000 | 24,012,000 |
| Pretax income | -7,114,000 | -11,147,000 | -30,862,000 | -31,150,000 |
| Income tax | -3,117,000 | -5,052,000 | -883,000 | -883,000 |
| Net income | -3,997,000 | -6,095,000 | -29,979,000 | -30,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,902,000 | 81,166,000 | 73,145,000 | 71,800,000 |
| Total capital | 94,571,000 | 90,599,000 | 82,106,000 | 80,251,000 |
| Risk-weighted assets | 764,883,000 | 750,378,000 | 711,529,000 | 672,089,000 |