Institution Statistics
| Panora State Bank | | FDIC Certificate # | 18001 | | BankRate Report | View | | Year Established | 1959 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $66.32 million | | Loans | $25.28 million | | Deposits | $52.85 million | | Equity Capital | $9.51 million | | Loan Loss Allowance | $219,000 |
Historic Data - March 2011 | | Assets | $58.36 million | | Equity Capital | $7.53 million | | Loan Loss Allowance | $100,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.83% | | Return on Assets | 2.15% | | Return on Equity | 14.87% | | Interest Income | $658,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Panora State Bank had $0 in non-current loans and owned real-estate with $9.72 million in equity and loan loss allowances on hand to cover it. This gives Panora State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Panora State Bank has increased its total deposits by $4.19 million, resulting in 8.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Panora State Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Panora State Bank has $66.32 million in assets with $9.72 million in equity, resulting in a capitalization level of 14.66%, which is excellent. |
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