Call reports 2007
PANORA STATE BANK — 2007
What PANORA STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,310,000 | 47,516,000 | 49,482,000 | 50,777,000 |
| Total loans | 24,649,000 | 25,732,000 | 27,748,000 | 28,821,000 |
| Allowance for loan losses | 250,000 | 249,000 | 249,000 | 253,000 |
| Securities available for sale | 19,324,000 | 20,145,000 | 19,996,000 | 19,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,530,000 | 40,094,000 | 40,512,000 | 42,785,000 |
| Interest-bearing deposits | 36,991,000 | 36,993,000 | 37,614,000 | 39,244,000 |
| Noninterest-bearing deposits | 3,539,000 | 3,101,000 | 2,898,000 | 3,541,000 |
| Equity capital | 3,757,000 | 3,485,000 | 3,780,000 | 4,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 664,000 | 1,357,000 | 2,075,000 | 2,825,000 |
| Interest expense | 305,000 | 620,000 | 965,000 | 1,330,000 |
| Net interest income | 359,000 | 737,000 | 1,110,000 | 1,495,000 |
| Noninterest income | 44,000 | 79,000 | 118,000 | 160,000 |
| Noninterest expense | 229,000 | 461,000 | 698,000 | 925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 355,000 | 530,000 | 730,000 |
| Income tax | 11,000 | 22,000 | 32,000 | 43,000 |
| Net income | 163,000 | 333,000 | 498,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,857,000 | 3,840,000 | 3,882,000 | 4,018,000 |
| Total capital | 4,107,000 | 4,089,000 | 4,131,000 | 4,271,000 |
| Risk-weighted assets | 24,850,000 | 25,783,000 | 27,300,000 | 28,138,000 |