Call reports 2005
PANORA STATE BANK — 2005
What PANORA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,105,000 | 46,988,000 | 47,214,000 | 48,817,000 |
| Total loans | 23,419,000 | 23,465,000 | 23,546,000 | 23,509,000 |
| Allowance for loan losses | 237,000 | 237,000 | 237,000 | 250,000 |
| Securities available for sale | 21,016,000 | 21,526,000 | 21,500,000 | 20,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,499,000 | 36,514,000 | 35,176,000 | 41,543,000 |
| Interest-bearing deposits | 33,338,000 | 33,237,000 | 31,827,000 | 38,234,000 |
| Noninterest-bearing deposits | 3,161,000 | 3,277,000 | 3,349,000 | 3,309,000 |
| Equity capital | 3,511,000 | 3,691,000 | 3,598,000 | 3,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,138,000 | 1,731,000 | 2,355,000 |
| Interest expense | 148,000 | 315,000 | 503,000 | 717,000 |
| Net interest income | 407,000 | 823,000 | 1,228,000 | 1,638,000 |
| Noninterest income | 43,000 | 90,000 | 132,000 | 176,000 |
| Noninterest expense | 239,000 | 494,000 | 736,000 | 996,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 419,000 | 624,000 | 818,000 |
| Income tax | 9,000 | 17,000 | 25,000 | 41,000 |
| Net income | 202,000 | 402,000 | 599,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,705,000 | 3,749,000 | 3,727,000 | 3,713,000 |
| Total capital | 3,942,000 | 3,986,000 | 3,964,000 | 3,963,000 |
| Risk-weighted assets | 23,267,000 | 23,697,000 | 23,760,000 | 24,187,000 |