Call reports 2002
PANORA STATE BANK — 2002
What PANORA STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,455,000 | 45,180,000 | 46,228,000 | 47,185,000 |
| Total loans | 26,859,000 | 27,061,000 | 27,011,000 | 27,438,000 |
| Allowance for loan losses | 239,000 | 245,000 | 305,000 | 271,000 |
| Securities available for sale | 13,176,000 | 13,774,000 | 15,695,000 | 16,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,087,000 | 39,563,000 | 40,056,000 | 40,805,000 |
| Interest-bearing deposits | 35,205,000 | 36,846,000 | 37,060,000 | 37,610,000 |
| Noninterest-bearing deposits | 2,882,000 | 2,717,000 | 2,996,000 | 3,195,000 |
| Equity capital | 3,053,000 | 3,412,000 | 3,658,000 | 3,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,395,000 | 2,106,000 | 2,805,000 |
| Interest expense | 296,000 | 583,000 | 867,000 | 1,109,000 |
| Net interest income | 397,000 | 812,000 | 1,239,000 | 1,696,000 |
| Noninterest income | 35,000 | 74,000 | 114,000 | 165,000 |
| Noninterest expense | 247,000 | 505,000 | 745,000 | 1,013,000 |
| Provision for loan losses | 10,000 | 20,000 | 80,000 | 140,000 |
| Pretax income | 176,000 | 362,000 | 535,000 | 739,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 37,000 |
| Net income | 167,000 | 345,000 | 509,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,079,000 | 3,173,000 | 3,260,000 | 3,357,000 |
| Total capital | 3,318,000 | 3,418,000 | 3,565,000 | 3,627,000 |
| Risk-weighted assets | 24,868,000 | 25,610,000 | 25,122,000 | 26,118,000 |