Call reports 2003
PANORA STATE BANK — 2003
What PANORA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,087,000 | 46,344,000 | 44,902,000 | 47,380,000 |
| Total loans | 26,201,000 | 26,122,000 | 25,373,000 | 24,726,000 |
| Allowance for loan losses | 245,000 | 273,000 | 293,000 | 263,000 |
| Securities available for sale | 16,638,000 | 18,008,000 | 16,793,000 | 19,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,431,000 | 39,784,000 | 38,251,000 | 39,705,000 |
| Interest-bearing deposits | 36,729,000 | 36,494,000 | 35,160,000 | 35,916,000 |
| Noninterest-bearing deposits | 3,702,000 | 3,290,000 | 3,091,000 | 3,789,000 |
| Equity capital | 3,705,000 | 3,703,000 | 3,515,000 | 3,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,258,000 | 1,841,000 | 2,417,000 |
| Interest expense | 206,000 | 397,000 | 570,000 | 730,000 |
| Net interest income | 442,000 | 861,000 | 1,271,000 | 1,687,000 |
| Noninterest income | 42,000 | 89,000 | 137,000 | 182,000 |
| Noninterest expense | 203,000 | 464,000 | 725,000 | 1,083,000 |
| Provision for loan losses | 130,000 | 408,000 | 428,000 | 428,000 |
| Pretax income | 201,000 | 200,000 | 377,000 | 484,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 24,000 |
| Net income | 191,000 | 180,000 | 347,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,385,000 | 3,325,000 | 3,355,000 | 3,420,000 |
| Total capital | 3,630,000 | 3,598,000 | 3,648,000 | 3,683,000 |
| Risk-weighted assets | 24,650,000 | 24,214,000 | 24,428,000 | 25,437,000 |
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