Call reports 2014
PANORA STATE BANK — 2014
What PANORA STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 73,565,000 | 72,871,000 | 71,884,000 | 72,124,000 |
| Total loans | 25,817,000 | 26,282,000 | 25,020,000 | 25,441,000 |
| Allowance for loan losses | 245,000 | 245,000 | 241,000 | 241,000 |
| Securities available for sale | 13,680,000 | 13,537,000 | 13,043,000 | 11,141,000 |
| Securities held to maturity | 26,749,000 | 28,344,000 | 28,524,000 | 29,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,106,000 | 54,956,000 | 52,439,000 | 53,403,000 |
| Interest-bearing deposits | 50,240,000 | 49,180,000 | 47,792,000 | 48,394,000 |
| Noninterest-bearing deposits | 5,866,000 | 5,776,000 | 4,647,000 | 5,009,000 |
| Equity capital | 11,523,000 | 11,878,000 | 12,214,000 | 12,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,303,000 | 1,971,000 | 2,634,000 |
| Interest expense | 74,000 | 149,000 | 220,000 | 292,000 |
| Net interest income | 569,000 | 1,154,000 | 1,751,000 | 2,342,000 |
| Noninterest income | 18,000 | 41,000 | 66,000 | 87,000 |
| Noninterest expense | 194,000 | 391,000 | 573,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 393,000 | 804,000 | 1,244,000 | 1,678,000 |
| Income tax | 19,000 | 38,000 | 60,000 | 84,000 |
| Net income | 374,000 | 766,000 | 1,184,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,352,000 | 8,634,000 | 9,003,000 | 9,263,000 |
| Total capital | 8,597,000 | 8,879,000 | 9,244,000 | 9,504,000 |
| Risk-weighted assets | 33,617,000 | 34,367,000 | 33,163,000 | 33,026,000 |