Call reports 2011
PANORA STATE BANK — 2011
What PANORA STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 58,363,000 | 59,921,000 | 58,846,000 | 62,585,000 |
| Total loans | 24,285,000 | 26,167,000 | 25,256,000 | 24,636,000 |
| Allowance for loan losses | 100,000 | 130,000 | 160,000 | 189,000 |
| Securities available for sale | 23,575,000 | 23,343,000 | 22,548,000 | 21,255,000 |
| Securities held to maturity | 2,836,000 | 5,654,000 | 5,894,000 | 8,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,658,000 | 48,721,000 | 46,357,000 | 50,996,000 |
| Interest-bearing deposits | 43,782,000 | 44,260,000 | 42,218,000 | 46,632,000 |
| Noninterest-bearing deposits | 4,876,000 | 4,461,000 | 4,139,000 | 4,364,000 |
| Equity capital | 7,525,000 | 7,953,000 | 9,036,000 | 9,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,285,000 | 1,981,000 | 2,645,000 |
| Interest expense | 109,000 | 214,000 | 313,000 | 407,000 |
| Net interest income | 506,000 | 1,071,000 | 1,668,000 | 2,238,000 |
| Noninterest income | 22,000 | 45,000 | 73,000 | 98,000 |
| Noninterest expense | 226,000 | 454,000 | 684,000 | 885,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 119,000 |
| Pretax income | 272,000 | 601,000 | 974,000 | 1,345,000 |
| Income tax | 13,000 | 25,000 | 38,000 | 52,000 |
| Net income | 259,000 | 576,000 | 936,000 | 1,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,395,000 | 5,322,000 | 5,592,000 | 5,759,000 |
| Total capital | 5,495,000 | 5,452,000 | 5,752,000 | 5,948,000 |
| Risk-weighted assets | 29,591,000 | 31,350,000 | 30,135,000 | 29,929,000 |