Call reports 2016
PANORA STATE BANK — 2016
What PANORA STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 71,432,000 | 72,217,000 | 71,999,000 | 73,031,000 |
| Total loans | 25,827,000 | 24,072,000 | 24,574,000 | 23,612,000 |
| Allowance for loan losses | 215,000 | 215,000 | 215,000 | 215,000 |
| Securities available for sale | 10,821,000 | 9,609,000 | 9,434,000 | 9,183,000 |
| Securities held to maturity | 28,558,000 | 31,290,000 | 31,509,000 | 30,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,668,000 | 50,779,000 | 50,659,000 | 52,283,000 |
| Interest-bearing deposits | 45,013,000 | 45,328,000 | 46,017,000 | 47,090,000 |
| Noninterest-bearing deposits | 5,655,000 | 5,451,000 | 4,642,000 | 5,193,000 |
| Equity capital | 13,774,000 | 14,018,000 | 14,254,000 | 13,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,267,000 | 1,866,000 | 2,441,000 |
| Interest expense | 68,000 | 137,000 | 206,000 | 276,000 |
| Net interest income | 548,000 | 1,130,000 | 1,660,000 | 2,165,000 |
| Noninterest income | 17,000 | 35,000 | 54,000 | 71,000 |
| Noninterest expense | 184,000 | 366,000 | 548,000 | 727,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 381,000 | 799,000 | 1,166,000 | 1,509,000 |
| Income tax | 18,000 | 38,000 | 58,000 | 76,000 |
| Net income | 363,000 | 761,000 | 1,108,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,799,000 | 11,056,000 | 11,376,000 | 11,252,000 |
| Total capital | 11,014,000 | 11,271,000 | 11,591,000 | 11,467,000 |
| Risk-weighted assets | 34,602,000 | 35,232,000 | 33,199,000 | 32,755,000 |