Call reports 2010
PANORA STATE BANK — 2010
What PANORA STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,033,000 | 58,379,000 | 55,323,000 | 57,010,000 |
| Total loans | 25,843,000 | 25,302,000 | 25,195,000 | 26,508,000 |
| Allowance for loan losses | 249,000 | 10,000 | 40,000 | 70,000 |
| Securities available for sale | 25,599,000 | 25,762,000 | 25,249,000 | 25,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,410,000 | 47,428,000 | 44,163,000 | 47,133,000 |
| Interest-bearing deposits | 43,747,000 | 42,860,000 | 40,834,000 | 43,437,000 |
| Noninterest-bearing deposits | 3,663,000 | 4,568,000 | 3,329,000 | 3,696,000 |
| Equity capital | 5,365,000 | 7,764,000 | 8,406,000 | 7,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 204,000 | 824,000 | 1,450,000 |
| Interest expense | 174,000 | 48,000 | 179,000 | 302,000 |
| Net interest income | 484,000 | 156,000 | 645,000 | 1,148,000 |
| Noninterest income | 28,000 | 10,000 | 35,000 | 61,000 |
| Noninterest expense | 237,000 | 79,000 | 307,000 | 525,000 |
| Provision for loan losses | 2,000 | 10,000 | 40,000 | 70,000 |
| Pretax income | 272,000 | 82,000 | 342,000 | 639,000 |
| Income tax | 14,000 | 4,000 | 17,000 | 32,000 |
| Net income | 258,000 | 78,000 | 325,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,972,000 | 5,176,000 | 5,333,000 | 5,126,000 |
| Total capital | 5,221,000 | 5,186,000 | 5,373,000 | 5,196,000 |
| Risk-weighted assets | 29,173,000 | 32,076,000 | 31,856,000 | 30,801,000 |