Call reports 2008
PANOLA NATIONAL BANK — 2008
What PANOLA NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,051,000 | 101,791,000 | 104,160,000 | 111,572,000 |
| Total loans | 50,626,000 | 52,467,000 | 52,739,000 | 53,674,000 |
| Allowance for loan losses | 304,000 | 297,000 | 295,000 | 288,000 |
| Securities available for sale | 21,948,000 | 20,486,000 | 20,521,000 | 21,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,102,000 | 91,160,000 | 93,492,000 | 100,525,000 |
| Interest-bearing deposits | 70,992,000 | 69,565,000 | 72,580,000 | 78,643,000 |
| Noninterest-bearing deposits | 20,110,000 | 21,595,000 | 20,912,000 | 21,882,000 |
| Equity capital | 10,129,000 | 10,074,000 | 9,960,000 | 10,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,722,000 | 4,101,000 | 5,462,000 |
| Interest expense | 470,000 | 893,000 | 1,295,000 | 1,663,000 |
| Net interest income | 885,000 | 1,829,000 | 2,806,000 | 3,799,000 |
| Noninterest income | 289,000 | 603,000 | 920,000 | 1,222,000 |
| Noninterest expense | 913,000 | 1,831,000 | 2,762,000 | 3,773,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 261,000 | 601,000 | 964,000 | 1,248,000 |
| Income tax | 80,000 | 186,000 | 301,000 | 390,000 |
| Net income | 181,000 | 415,000 | 663,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,071,000 | 10,305,000 | 10,153,000 | 9,386,000 |
| Total capital | 10,375,000 | 10,602,000 | 10,448,000 | 9,674,000 |
| Risk-weighted assets | 62,970,000 | 66,408,000 | 67,329,000 | 70,226,000 |
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