Call reports 2006
PANORA STATE BANK — 2006
What PANORA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 45,629,000 | 45,472,000 | 45,243,000 | 47,877,000 |
| Total loans | 24,096,000 | 24,441,000 | 25,263,000 | 25,055,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 20,082,000 | 18,591,000 | 18,520,000 | 19,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,794,000 | 37,265,000 | 35,415,000 | 40,000,000 |
| Interest-bearing deposits | 33,554,000 | 34,159,000 | 32,198,000 | 36,372,000 |
| Noninterest-bearing deposits | 3,240,000 | 3,106,000 | 3,217,000 | 3,628,000 |
| Equity capital | 3,483,000 | 3,336,000 | 3,607,000 | 3,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,217,000 | 1,855,000 | 2,523,000 |
| Interest expense | 209,000 | 445,000 | 714,000 | 1,016,000 |
| Net interest income | 390,000 | 772,000 | 1,141,000 | 1,507,000 |
| Noninterest income | 37,000 | 82,000 | 133,000 | 197,000 |
| Noninterest expense | 209,000 | 440,000 | 669,000 | 925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 218,000 | 414,000 | 593,000 | 767,000 |
| Income tax | 10,000 | 19,000 | 29,000 | 38,000 |
| Net income | 208,000 | 395,000 | 564,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,759,000 | 3,750,000 | 3,758,000 | 3,817,000 |
| Total capital | 4,009,000 | 4,000,000 | 4,008,000 | 4,067,000 |
| Risk-weighted assets | 23,692,000 | 23,953,000 | 24,679,000 | 25,193,000 |