Call reports 2015
PANORA STATE BANK — 2015
What PANORA STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 73,427,000 | 72,792,000 | 71,036,000 | 72,218,000 |
| Total loans | 25,536,000 | 26,453,000 | 25,563,000 | 25,635,000 |
| Allowance for loan losses | 239,000 | 215,000 | 215,000 | 215,000 |
| Securities available for sale | 10,931,000 | 10,619,000 | 10,168,000 | 10,127,000 |
| Securities held to maturity | 31,295,000 | 29,496,000 | 30,054,000 | 28,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,074,000 | 53,073,000 | 49,593,000 | 51,718,000 |
| Interest-bearing deposits | 48,125,000 | 47,681,000 | 44,097,000 | 45,633,000 |
| Noninterest-bearing deposits | 4,949,000 | 5,392,000 | 5,496,000 | 6,085,000 |
| Equity capital | 12,848,000 | 12,978,000 | 13,302,000 | 13,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,255,000 | 1,887,000 | 2,524,000 |
| Interest expense | 70,000 | 140,000 | 209,000 | 276,000 |
| Net interest income | 552,000 | 1,115,000 | 1,678,000 | 2,248,000 |
| Noninterest income | 18,000 | 39,000 | 65,000 | 85,000 |
| Noninterest expense | 186,000 | 370,000 | 580,000 | 761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 384,000 | 784,000 | 1,163,000 | 1,572,000 |
| Income tax | 21,000 | 40,000 | 59,000 | 78,000 |
| Net income | 363,000 | 744,000 | 1,104,000 | 1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,764,000 | 10,028,000 | 10,332,000 | 10,466,000 |
| Total capital | 10,003,000 | 10,243,000 | 10,547,000 | 10,681,000 |
| Risk-weighted assets | 39,286,000 | 40,259,000 | 40,580,000 | 33,887,000 |