Call reports 2007
PANOLA NATIONAL BANK — 2007
What PANOLA NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 93,761,000 | 92,276,000 | 92,836,000 | 98,716,000 |
| Total loans | 45,691,000 | 47,171,000 | 49,559,000 | 49,915,000 |
| Allowance for loan losses | 385,000 | 382,000 | 324,000 | 311,000 |
| Securities available for sale | 15,979,000 | 22,134,000 | 21,302,000 | 18,897,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,513,000 | 81,792,000 | 82,318,000 | 88,151,000 |
| Interest-bearing deposits | 64,201,000 | 64,373,000 | 63,762,000 | 68,764,000 |
| Noninterest-bearing deposits | 19,312,000 | 17,419,000 | 18,556,000 | 19,387,000 |
| Equity capital | 9,666,000 | 9,824,000 | 9,723,000 | 9,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,326,000 | 2,752,000 | 4,149,000 | 5,593,000 |
| Interest expense | 453,000 | 946,000 | 1,452,000 | 1,957,000 |
| Net interest income | 873,000 | 1,806,000 | 2,697,000 | 3,636,000 |
| Noninterest income | 260,000 | 519,000 | 728,000 | 1,003,000 |
| Noninterest expense | 845,000 | 1,708,000 | 2,599,000 | 3,542,000 |
| Provision for loan losses | 2,000 | 2,000 | -50,000 | -50,000 |
| Pretax income | 286,000 | 615,000 | 876,000 | 1,147,000 |
| Income tax | 97,000 | 209,000 | 298,000 | 390,000 |
| Net income | 189,000 | 406,000 | 578,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,706,000 | 9,923,000 | 9,712,000 | 9,890,000 |
| Total capital | 10,091,000 | 10,305,000 | 10,036,000 | 10,201,000 |
| Risk-weighted assets | 57,569,000 | 55,105,000 | 56,376,000 | 58,619,000 |
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