Call reports 2008
PANORA STATE BANK — 2008
What PANORA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,971,000 | 51,931,000 | 51,087,000 | 51,081,000 |
| Total loans | 27,118,000 | 27,460,000 | 27,334,000 | 26,956,000 |
| Allowance for loan losses | 253,000 | 253,000 | 244,000 | 246,000 |
| Securities available for sale | 18,300,000 | 20,595,000 | 19,681,000 | 19,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,315,000 | 43,734,000 | 41,519,000 | 41,155,000 |
| Interest-bearing deposits | 40,197,000 | 40,496,000 | 37,964,000 | 37,909,000 |
| Noninterest-bearing deposits | 3,118,000 | 3,238,000 | 3,555,000 | 3,246,000 |
| Equity capital | 4,189,000 | 3,968,000 | 3,831,000 | 4,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,445,000 | 2,167,000 | 2,867,000 |
| Interest expense | 335,000 | 630,000 | 910,000 | 1,155,000 |
| Net interest income | 388,000 | 815,000 | 1,257,000 | 1,712,000 |
| Noninterest income | 51,000 | 94,000 | 132,000 | 173,000 |
| Noninterest expense | 237,000 | 479,000 | 727,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 10,000 |
| Pretax income | 212,000 | 440,000 | 668,000 | 923,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 41,000 |
| Net income | 203,000 | 422,000 | 641,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,994,000 | 4,165,000 | 4,256,000 | 4,362,000 |
| Total capital | 4,247,000 | 4,418,000 | 4,501,000 | 4,608,000 |
| Risk-weighted assets | 26,705,000 | 28,059,000 | 28,001,000 | 27,576,000 |