Call reports 2004
PANOLA NATIONAL BANK — 2004
What PANOLA NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,064,000 | 73,988,000 | 75,670,000 | 75,675,000 |
| Total loans | 47,563,000 | 47,627,000 | 47,409,000 | 46,437,000 |
| Allowance for loan losses | 374,000 | 370,000 | 374,000 | 387,000 |
| Securities available for sale | 6,090,000 | 5,032,000 | 5,031,000 | 5,998,000 |
| Securities held to maturity | 332,000 | 332,000 | 332,000 | 331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,771,000 | 64,531,000 | 66,219,000 | 66,217,000 |
| Interest-bearing deposits | 54,417,000 | 54,441,000 | 54,966,000 | 55,897,000 |
| Noninterest-bearing deposits | 10,354,000 | 10,090,000 | 11,253,000 | 10,320,000 |
| Equity capital | 8,795,000 | 8,935,000 | 8,823,000 | 9,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,892,000 | 2,875,000 | 3,867,000 |
| Interest expense | 160,000 | 317,000 | 476,000 | 643,000 |
| Net interest income | 789,000 | 1,575,000 | 2,399,000 | 3,224,000 |
| Noninterest income | 181,000 | 382,000 | 625,000 | 874,000 |
| Noninterest expense | 679,000 | 1,365,000 | 2,068,000 | 2,832,000 |
| Provision for loan losses | 27,000 | 50,000 | 74,000 | 99,000 |
| Pretax income | 264,000 | 542,000 | 882,000 | 1,167,000 |
| Income tax | 90,000 | 184,000 | 300,000 | 394,000 |
| Net income | 174,000 | 358,000 | 582,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,775,000 | 8,958,000 | 8,825,000 | 9,030,000 |
| Total capital | 9,149,000 | 9,328,000 | 9,199,000 | 9,417,000 |
| Risk-weighted assets | 50,950,000 | 50,849,000 | 51,870,000 | 51,631,000 |
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