Call reports 2005
PANOLA NATIONAL BANK — 2005
What PANOLA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 78,257,000 | 80,057,000 | 82,637,000 | 83,011,000 |
| Total loans | 45,210,000 | 44,669,000 | 43,949,000 | 43,848,000 |
| Allowance for loan losses | 327,000 | 314,000 | 331,000 | 318,000 |
| Securities available for sale | 6,952,000 | 6,964,000 | 8,918,000 | 9,880,000 |
| Securities held to maturity | 130,000 | 129,000 | 128,000 | 128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,726,000 | 70,334,000 | 73,214,000 | 73,506,000 |
| Interest-bearing deposits | 56,289,000 | 57,594,000 | 59,001,000 | 58,763,000 |
| Noninterest-bearing deposits | 12,437,000 | 12,740,000 | 14,213,000 | 14,743,000 |
| Equity capital | 9,015,000 | 9,231,000 | 8,932,000 | 9,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,966,000 | 3,041,000 | 4,171,000 |
| Interest expense | 176,000 | 373,000 | 615,000 | 899,000 |
| Net interest income | 781,000 | 1,593,000 | 2,426,000 | 3,272,000 |
| Noninterest income | 211,000 | 443,000 | 687,000 | 939,000 |
| Noninterest expense | 776,000 | 1,474,000 | 2,290,000 | 3,033,000 |
| Provision for loan losses | 28,000 | 69,000 | 193,000 | 245,000 |
| Pretax income | 188,000 | 493,000 | 630,000 | 933,000 |
| Income tax | 64,000 | 167,000 | 219,000 | 317,000 |
| Net income | 124,000 | 326,000 | 411,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,054,000 | 9,256,000 | 8,986,000 | 9,191,000 |
| Total capital | 9,381,000 | 9,570,000 | 9,317,000 | 9,509,000 |
| Risk-weighted assets | 52,038,000 | 53,405,000 | 54,397,000 | 56,434,000 |
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