Call reports 2004
PANORA STATE BANK — 2004
What PANORA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,596,000 | 45,644,000 | 46,493,000 | 45,269,000 |
| Total loans | 23,739,000 | 23,711,000 | 24,759,000 | 24,449,000 |
| Allowance for loan losses | 267,000 | 261,000 | 237,000 | 237,000 |
| Securities available for sale | 18,289,000 | 19,801,000 | 19,964,000 | 18,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,797,000 | 37,847,000 | 36,926,000 | 37,766,000 |
| Interest-bearing deposits | 34,742,000 | 34,585,000 | 34,079,000 | 34,610,000 |
| Noninterest-bearing deposits | 3,055,000 | 3,262,000 | 2,847,000 | 3,156,000 |
| Equity capital | 3,650,000 | 3,324,000 | 3,728,000 | 3,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,117,000 | 1,682,000 | 2,242,000 |
| Interest expense | 143,000 | 277,000 | 421,000 | 569,000 |
| Net interest income | 436,000 | 840,000 | 1,261,000 | 1,673,000 |
| Noninterest income | 40,000 | 87,000 | 126,000 | 165,000 |
| Noninterest expense | 414,000 | 727,000 | 978,000 | 1,245,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 95,000 | 227,000 | 436,000 | 620,000 |
| Income tax | 8,000 | 15,000 | 22,000 | 31,000 |
| Net income | 87,000 | 212,000 | 414,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,443,000 | 3,532,000 | 3,643,000 | 3,671,000 |
| Total capital | 3,710,000 | 3,793,000 | 3,880,000 | 3,908,000 |
| Risk-weighted assets | 23,608,000 | 23,618,000 | 24,119,000 | 23,541,000 |