Call reports 2003
PIONEER BANK — 2003
What PIONEER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,689,000 | 102,446,000 | 101,183,000 | 102,517,000 |
| Total loans | 74,183,000 | 71,239,000 | 68,127,000 | 63,990,000 |
| Allowance for loan losses | 1,410,000 | 1,528,000 | 1,324,000 | 1,577,000 |
| Securities available for sale | 19,436,000 | 20,749,000 | 24,009,000 | 29,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,668,000 | 86,303,000 | 85,430,000 | 86,835,000 |
| Interest-bearing deposits | 73,738,000 | 73,234,000 | 72,286,000 | 73,231,000 |
| Noninterest-bearing deposits | 12,930,000 | 13,069,000 | 13,144,000 | 13,604,000 |
| Equity capital | 9,965,000 | 10,152,000 | 10,187,000 | 10,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,199,000 | 4,753,000 | 6,225,000 |
| Interest expense | 475,000 | 922,000 | 1,333,000 | 1,712,000 |
| Net interest income | 1,132,000 | 2,277,000 | 3,420,000 | 4,513,000 |
| Noninterest income | 132,000 | 260,000 | 397,000 | 525,000 |
| Noninterest expense | 754,000 | 1,624,000 | 2,650,000 | 3,529,000 |
| Provision for loan losses | 145,000 | 290,000 | 335,000 | 510,000 |
| Pretax income | 365,000 | 623,000 | 832,000 | 999,000 |
| Income tax | 126,000 | 248,000 | 272,000 | 316,000 |
| Net income | 239,000 | 375,000 | 560,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,741,000 | 9,852,000 | 10,037,000 | 10,135,000 |
| Total capital | 10,615,000 | 10,704,000 | 10,872,000 | 10,942,000 |
| Risk-weighted assets | 69,408,000 | 67,445,000 | 66,284,000 | 63,820,000 |
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