Call reports 2009
PANORA STATE BANK — 2009
What PANORA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,202,000 | 52,520,000 | 52,244,000 | 57,728,000 |
| Total loans | 25,541,000 | 26,206,000 | 27,109,000 | 27,450,000 |
| Allowance for loan losses | 246,000 | 246,000 | 247,000 | 247,000 |
| Securities available for sale | 22,797,000 | 23,743,000 | 22,670,000 | 23,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,743,000 | 41,739,000 | 41,475,000 | 48,195,000 |
| Interest-bearing deposits | 38,348,000 | 38,736,000 | 38,511,000 | 44,676,000 |
| Noninterest-bearing deposits | 3,395,000 | 3,003,000 | 2,964,000 | 3,519,000 |
| Equity capital | 4,484,000 | 4,594,000 | 4,946,000 | 5,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,341,000 | 2,063,000 | 2,730,000 |
| Interest expense | 223,000 | 432,000 | 630,000 | 810,000 |
| Net interest income | 451,000 | 909,000 | 1,433,000 | 1,920,000 |
| Noninterest income | 45,000 | 90,000 | 101,000 | 140,000 |
| Noninterest expense | 256,000 | 545,000 | 811,000 | 1,055,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 241,000 | 494,000 | 744,000 | 1,030,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 51,000 |
| Net income | 232,000 | 475,000 | 716,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,474,000 | 4,615,000 | 4,610,000 | 4,812,000 |
| Total capital | 4,720,000 | 4,861,000 | 4,857,000 | 5,059,000 |
| Risk-weighted assets | 26,877,000 | 26,844,000 | 29,441,000 | 30,624,000 |
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