Call reports 2004
PIONEER BANK — 2004
What PIONEER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,597,000 | 99,798,000 | 100,745,000 | 105,898,000 |
| Total loans | 62,037,000 | 59,489,000 | 57,984,000 | 57,357,000 |
| Allowance for loan losses | 1,607,000 | 1,641,000 | 1,622,000 | 1,490,000 |
| Securities available for sale | 29,131,000 | 33,682,000 | 38,040,000 | 42,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,496,000 | 84,332,000 | 84,768,000 | 89,772,000 |
| Interest-bearing deposits | 71,822,000 | 70,645,000 | 70,016,000 | 73,091,000 |
| Noninterest-bearing deposits | 13,674,000 | 13,687,000 | 14,752,000 | 16,681,000 |
| Equity capital | 10,604,000 | 10,055,000 | 10,569,000 | 10,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 2,817,000 | 4,238,000 | 5,582,000 |
| Interest expense | 354,000 | 689,000 | 1,007,000 | 1,334,000 |
| Net interest income | 1,083,000 | 2,128,000 | 3,231,000 | 4,248,000 |
| Noninterest income | 145,000 | 264,000 | 387,000 | 506,000 |
| Noninterest expense | 1,000,000 | 1,985,000 | 2,932,000 | 3,639,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 183,000 | 332,000 | 611,000 | 1,040,000 |
| Income tax | 66,000 | 103,000 | 191,000 | 337,000 |
| Net income | 117,000 | 229,000 | 420,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,252,000 | 10,339,000 | 10,530,000 | 10,787,000 |
| Total capital | 11,034,000 | 11,108,000 | 11,287,000 | 11,557,000 |
| Risk-weighted assets | 61,885,000 | 60,683,000 | 59,666,000 | 60,913,000 |
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