Call reports 2012
PANORA STATE BANK — 2012
What PANORA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,315,000 | 66,931,000 | 66,142,000 | 69,134,000 |
| Total loans | 25,497,000 | 24,456,000 | 24,571,000 | 24,300,000 |
| Allowance for loan losses | 219,000 | 245,000 | 245,000 | 245,000 |
| Securities available for sale | 19,941,000 | 18,127,000 | 18,179,000 | 17,883,000 |
| Securities held to maturity | 12,538,000 | 18,179,000 | 18,040,000 | 22,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,850,000 | 52,983,000 | 51,894,000 | 53,348,000 |
| Interest-bearing deposits | 48,751,000 | 48,430,000 | 47,907,000 | 49,463,000 |
| Noninterest-bearing deposits | 4,099,000 | 4,553,000 | 3,987,000 | 3,885,000 |
| Equity capital | 9,505,000 | 9,678,000 | 10,083,000 | 10,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,327,000 | 1,976,000 | 2,620,000 |
| Interest expense | 90,000 | 175,000 | 254,000 | 331,000 |
| Net interest income | 568,000 | 1,152,000 | 1,722,000 | 2,289,000 |
| Noninterest income | 22,000 | 47,000 | 75,000 | 99,000 |
| Noninterest expense | 223,000 | 448,000 | 661,000 | 813,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 362,000 | 716,000 | 1,101,000 | 1,539,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 89,000 |
| Net income | 347,000 | 686,000 | 1,056,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,116,000 | 6,155,000 | 6,455,000 | 6,749,000 |
| Total capital | 6,335,000 | 6,400,000 | 6,700,000 | 6,994,000 |
| Risk-weighted assets | 31,628,000 | 31,201,000 | 31,317,000 | 32,033,000 |