Call reports 2013
PANORA STATE BANK — 2013
What PANORA STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,484,000 | 70,231,000 | 71,252,000 | 72,039,000 |
| Total loans | 24,732,000 | 26,942,000 | 27,264,000 | 25,281,000 |
| Allowance for loan losses | 245,000 | 245,000 | 245,000 | 245,000 |
| Securities available for sale | 16,018,000 | 14,839,000 | 14,449,000 | 13,805,000 |
| Securities held to maturity | 23,024,000 | 23,458,000 | 24,873,000 | 26,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,392,000 | 53,928,000 | 52,294,000 | 55,461,000 |
| Interest-bearing deposits | 48,539,000 | 49,827,000 | 48,260,000 | 50,235,000 |
| Noninterest-bearing deposits | 4,853,000 | 4,101,000 | 4,034,000 | 5,226,000 |
| Equity capital | 10,777,000 | 10,655,000 | 10,839,000 | 11,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,279,000 | 1,939,000 | 2,596,000 |
| Interest expense | 73,000 | 149,000 | 229,000 | 304,000 |
| Net interest income | 551,000 | 1,130,000 | 1,710,000 | 2,292,000 |
| Noninterest income | 23,000 | 47,000 | 72,000 | 91,000 |
| Noninterest expense | 222,000 | 437,000 | 653,000 | 882,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 356,000 | 743,000 | 1,131,000 | 1,505,000 |
| Income tax | 18,000 | 39,000 | 59,000 | 78,000 |
| Net income | 338,000 | 704,000 | 1,072,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,097,000 | 7,373,000 | 7,702,000 | 7,968,000 |
| Total capital | 7,342,000 | 7,618,000 | 7,948,000 | 8,213,000 |
| Risk-weighted assets | 31,846,000 | 33,682,000 | 34,009,000 | 32,585,000 |
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